I used to tow a 13' Scotty behind my 4banger on 31" Uniroyal MT's, I never had an issue running through the PA mountains or running 65mph down the interstate, I just left it in fourth and downshifted more if needed, but then again after stripping the teeth off overdrive before I started towing I would never tow in overdrive anyway, the gear itself just isn't string enough for it. Heck I now tow with a V-8 Dakota 5spd, and I won't tow with it in 5th because I don't feel it's a strong enough gear, if you read the owners manual there is very few 5/6 speed tranny's capable of towing in 5th gear.
Personally I would save the cash, slow down a little, and keep the stock gearing.