Klint- I have that exact Receiver your looking at. No you dont need the bumper with the cut out. The Receiver fits perfect under the bumper. I too tow a boat. I have a 4" drop hitch and the trailer sits level and that's with 315's.
As far as the install, I had a local Trailer shop do the install. Took them 30 min including the wiring. Hop this helps.
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Anything is Possible.
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