Honda CR-V at 98%?

Afternoon all...now I know what the club would say on this but I just wondered what thoughts any other caravanners had on weight ratios......we are thinking of changing our van to a Swift with a MTPLM of 1620, the kerbweight of the CR-V is 1660 making a ratio of 98%, as per the club matching service.......i've been towing for around 5 years and now feel quite confident with the whole thing, not too sure if i'm still technically a "novice"....does anyone out there tow with a ratio this high...what thoughts do have? Thanks, Roger.