I don't think towing matters. The coolant temps aren't that different. My A/T temps and engine oil ran around 212F on our 2500 miles out to Maine and back last week, but engine coolant was 198-202F the whole time, even with ambient temps around 90F. That was towing in 4th or 5th gear. Ambient coolant temp when not towing is 196-198F for me.
That said any ideas I have about why some people experience this failure and others don't is pure speculation on my part. FWIW I've got 126k on my 2013 now and so far mine haven't given out (though my radiator got the dreaded crack around 76k miles).