Give the insurance company one little loophole after an accident and you can kiss your coverage goodbye.
I may be wrong, but there aren't any weight-distributing hitches that will work with straight surge brakes. Maybe they are compatible with electric-over-hydraulics.
In the case of my Excursion, the hitch is an integral part of the sub-frame as built by Ford. They are installed with special fasteners in several areas (some have called them rivets; that is false). No hitch manufacturer makes an after-market for the 'X' because of the sub-frame issue for liabiltity reasons. I checked with my insurance agent, and he said I could have a Class V installed by a custom shop, but I just gave the insurance adjuster the one little loophole he's looking for if an accident were to occur. He recommended against it, and said to buy a bigger truck if I needed to. (my X is fine for our 28 AT)
Drive safely, and at a safe speed and distance. A few extra minutes on the road isn't going to ruin your boating weekend, and it might save you a lot of grief! (and fuel)