That’s sort of true for any catastrophic engine failure caused by oil/bearings. It’s while I’ve always scratched my head at why most vehicles have water temp gauges but only an oil pressure light. I’d rather have it the other way around.
Anyway, I’m sort of in the same boat. I just bought a used 2021 with 25k miles on it. Of course, I got a deal and rolled some decent equity on it, so if I wanted to sell, I wouldn’t lose anything but the equity I rolled. Maybe even still keep some…. But I won’t sell.
In your situation, your fear of a failure while towing a boat is valid and towing is going to put a higher load on the engine/drivetrain.
That said, do the inspection. Change to the 0w40.
If you are worried about things, there is something you can do without just waiting for the engine to blow. Send an oil sample to Blackstone or one of the analysis places. Let them analyze your oil and see if they detect any signs of breakdown. That will give you possibly give you advance notice of a pending failure before something just happens.
