Bill,
With regard to the Saturn, it sounds like you'd have little reserve towing capacity which you'd need for even moderate grades. From personal experience: we have a full sized 1/2 ton pickup with a V8 (no factory tow package) and the smallest TM (a 2619), and I notice the extra weight when climbing mountain grades in Tennessee (which are probably smaller than those in some other places). I sometimes wish I had a different rear end axle (but not at the gas pump
)that would provide a little more "dig".
I, myself, like to have a little power in reserve. I guess it depends where you intend to go though.
Nick