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When the manufacturers started working with Lippert to approve towing they changed the hitch on the back. An easy way to tell the difference, the ones rated for carrying cargo, but not towing don’t have the spot for hooking safety chains, the ones approved for towing do.
Yes there are a few states that allow triples with a bumper pull, biggest requirement is the first trailer must be heavier than the second.
I think you’ve answered a lot of your own questions. If you’re main concern is how a 5th wheel would handle with another trailer behind it, I’ve done it with multiple 5th wheels from 30-40’ and didn’t notice any difference with any of them. You’re only adding a couple hundred lbs of hitch weight to the back, that probably only changes pin weight by less than 100 lbs. not enough to change the characteristics of towing a 5th wheel which is already much better than a bumper pull anyway.
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