towing V20 w/explorer

[labii]

I have a 1999 Ford Explorer . The hitch on the bumper says that it has a towing capacity of 3500 lbs . That should be very close to what the boat , motor , and trailer weighs . I have towed the boat short distances but have never pulled it out of the water . I am planning a trip in July to pull it about 5 hours away. My question is does anyone know if I should have a larger hitch installed or should I be ok ?