The question I have been asking to determine if the ratings are inflated or not is if the tongue weight plus gear, supplies, and passengers is within limits of the vehicle.
If you subtract the tongue weight from the vehicle's max payload (which varies by model) you will end up with a reminder max payload weight for all your supplies and driver/passenger. If it's under that, you should be good.
With regards to the tongue weight; you want to try and have at least 15% under. I'm not certain this applies to boats as much as it does for travel trailers, but it seems like a good rule of thumb to me for safety reasons. This is to say, if the max tongue weight for your vehicle is 750lbs, you really want to try not to exceed around 650lbs. As you suggested, most manufacturers *grossly overstate* this capacity. In my opinion, the GC and GCL are one of the very few SUVs on the market today which on paper appear to actually be able to tow what they claim.
I am still waiting for my GCL, so I can't say without question that it's not going to be any issues, since I haven't had first hand experience yet. I am interested in hearing what others have experienced. Nevertheless, if the max GVWR of the boat/trailer is 7200 lbs and the payload calculations are within safe limits, it's should be fine. If this is a trailer/boat you already own, it probably would be wise to take it to the scales if you haven't already. Also, if you expect to tow at higher elevations, the naturally aspirated engine regardless of size will show it's age.
Hope this helps!