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I think the reason they state a lower speed limit is that for most people who rent a trailer, this is the first time they have ever towed anything. If you know what you are doing, I wouldn't worry about it.
A guy who I used to work with rented a u-Haul trailer. It was his first towing experience. The problem was that the person at the dealership knew less about trailers than he did! The u-Haul personel forgot to latch the coupler to the ball. When this guy hit a bump in the road, the trailer unhooked!!! Luckly the safety chains controlled the trailer so no one got hurt. It did activate the emergency brakes on the trailer and he did not know how to turn them off.
Recommendations: verify that the coupler is securely attached. Lift up on the hitch, even if you need to use a jack to do it. Make sure the safety chains are attached so if the trailer unhooks it will still follow your vehicle. If the trailer has brakes, make sure you connect the break-a-way cable. This activates the emergency brakes if the trailer unhooks. Make sure the trailer is level. I have seen people use a ball on the bumper, which made the trailer tilt up at the front. When that happens, the trailer will tend to wander back and forth. This is the reason they make ball mounts that have different amounts of drop or lift. Pick one that will make the trailer level.
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