Let’s assume you do have a hitch and 350 is the max including trailer you need to move. There’s nothing magically different on the strain of the drive train between towing and loading 350 lbs. of “lardos” in the back. I would argue that if the weight is kept within reason of 350 lbs, the fwd Civic would certainly be better balanced with just 10%-20% tongue weight and lower tire load. Again, this all assumes you can safety hand a hitch. 350 lbs, if I didn’t make myself clear, hasn’t quite reached the stage of towing IMO. If my old two stroke SAAB could do a 12’ aluminum with a motor in the trunk at about 500 lbs…this is fine.
BTW, don’t be seating those “lardos” in the back at the same time. Be considerate of total load capacity.