Lots of very accurate "real world, towing advice" has already been given above.
In cost, there's very little actual cost difference between a 3500# axle assembly and a 5200# assembly. You can even upgrade the Dexter 5200# to a 6000# (1/4" axle wall) for a only a very few bucks. The big difference is 12" brakes over the 10" brakes on the 3500# assembly. The 12" hubs have larger wheel bearings also.
One of the important considerations is tire weight ratings. You will find a much better selection in higher weight rated trailer tires after you step up to the 5200# axles. 16" wheels are really the best route, and then you have a choice of six or eight bolt wheels. I tow 8 to 10K miles each year and my "go to tire" is a Maxxis premium steel belted "E" rated 16" tire. This brand was the brand of choice recommended to me by my fellow drag racers that towed thousands of miles each year. You can order them from Discount Tire Direct, or even form Wal Mart on line.
Trailer manufacturers, and trailer dealers are under extreme retail price pressure. As buyers we are always shopping for the cheapest place. But after fifty years of towing stuff around the country, I would not fall into the "price trap" when buying a new trailer. If I were buying a new trailer, open or closed, I would find a dealer that I trusted, and place a order for a trailer that was spec'd to my needs. It would have upgraded axle/hub/tire/wheels. I would have a winch, nice long ramps, interior lights, long tie donw strips to allow the towed vehicle to be moved for proper tongue weight. Depending on how handy the buyer is, these accessories could be buyer, or dealer installed.
The trailers you find advertised are going to be stripped down rigs to make them price attractive. It might not be a issue if your only trailering ATV's, Dirt bikes, and UTV's to the dunes, but hauling a 4000# EB and another 2000# of stuff is not the same.
John