The only question I have is the trailer itself rated for 3100 or the registration of the trailer rated for that load? If it's the registration, you need to go to the manufacturer and find out what the trailer is rated at. In all cases, only you can make the final decision. But I will say that as a safety factor all trailer manufacturers do rate their trailers low...I don't know the percentage, I just know that they do. So a trailer rated for 3100 is good for that and a little more safely. If it were me I'd go for the $700 one (and try to talk him down a little.. pointing out the bad parts)... just to be on the safe side... but that's me and like I said, only you can make the final decision. 
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1987 V20 w/1987 150HP Yamaha on a Shoreland'r Trailer
1978 16.5 Airslot w/1996 120HP Force on a Four Winns trailer
1996 V21 w/1993 200HP Mercury on a Shoreline Trailer
All towed by a 5.7L Hemi Durango.
If God didn't have a purpose for us we wouldn't be here, so
Live simply, Love generously, Care deeply, Speak kindly.
(Leave the rest to God) 
Silence, in the face of evil, is itself evil. Not to speak is to speak, not to act is to act. God will not hold us guiltless.
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