I'd like to know more about how misloading a one-wheeled trailer, e.g., the BOB was the cause of a fall. How do you misload it in the first place? There are lots of reasons to fall while descending with a trailer, wind being chief among them, not to mention road conditions and other conditions of the bike itself, e.g., loose headset, hubs etc.
I had a crash back in 2004, while on an early training ride with the Bob. The bike was a MTB, dual suspension. I lost control of the front steering while traveling downhill at about 30-35 mph. The Bob was loaded with two 25-pound barbells, laid front-to-back. I believe the trailer tongue weight placed enough force on the rear of the bike to lift the front end off the road, causing the steering loss. Bob recommends not exceeding 25 mph. Bike geometry may have been a factor as well as my position (sitting back instead of leaning forward), but that's added speculation. I've done the TA since and a number of other short tours with the Bob, using a non-suspended touring bike (Atlantis). No Problems. I recently added a front pannier rack to redistribute weight more to the front as well as routine item access convenience (clothing, food, tools, etc.). Works well. Hope this helps.