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I'd start by comparing major components, like the engine, differentials, body style, and such. To major Chinese brands. Don't really know the big ones. But maybe hisun. I'm sure there's several. Then move on to briefly look at other countries like India. I think they make popular, cheap tractors like mahindra. Just stands to reason that they wouldn't ignore the popular UTVs.

Those heat wraps probably aren't made to get too wet. Not that I think it would hurt the wrap, but it's likely not in the design parameters. The amount of moisture that they see in their intended use, would be quickly dissipated by the exhaust heat. No idea though, whether it would hold moisture in your intended use. But I would use insulation on the floor in addition to, or instead of. There's paint like coatings, likely ceramic, and there's asbestos substitutes, like rock wool. That ones for housing I think. But I know for a fact that there's automotive heat shield insulation out there. And likely there's something that'll be moisture, and drainage/evaporation friendly. I would say to use a combination of things. Including carpet floor mat. Cut from scrap carpet. Ceramic tile under the floor mat, plywood, etc. Till you get what you need. FWIW, I work in the carpet industry. And if I'm going to be on the forklift all day. I'll take 5minutes, and custom cut a carpet floor mat. That forklift gets hot. Carpet works well, and it's disposable. And since it's a brand new, clean mat. It's quite luxurious lol.

Welcome to the forum! Is this for full time pulling? Or, as needed? Or just a one time thing? Does it have to be a full water tank? A half a tank would probably make all the difference. Since water is so heavy. However I really don't think you'll hurt the mule just to hook up the trailer, and give it a careful pull around the parking lot. Let the mule tell you what it thinks. By that, I mean to listen to the strain on the motor. Feel the amount of pull that it takes. If it's having to give all its got, that's too heavy. If it doesn't want to move after a reasonable amount of throttle, don't force it. Because if it still hasn't moved, there's your answer. Because actually forcing it to pull something that's way too heavy, might cause a catastrophic breakdown. With a beefier vehicle, it would just spin the tires. You can't count on that from the mule. Components like axles and such aren't cheap. So you have to ease into it. But on pavement, or hardpack dirt, it might just roll out behind you. You never know till you try. I see the park maintenance doing stuff like that with the utv that they have. My thinking is that #3600 pounds is too much for anything more than just a very occasional use. I'd find a way to do a half tank, and just use more fill ups. Because I'm very sure that the brakes aren't sufficient to stop that much weight very easily. And any kind of incline would probably have a less than desirable outcome, whether you were going up or down. And in any case, would cause premature engine fatality. Especially since it's way over recommended capacity. But the real answer for all around success in your case would be a small pickup truck, or small tractor.

3 pages worth of parts here https://www.multinationalparts.com/products/machine/Spartan-500cc

Dec 31st. It was a long wait but worth it!