I find towing my dinghy requires constant attention. I have both a hard shell and an inflatable. I take the hard dinghy when I'm staying in fairly protected waters. It tows very well but has to be a long way back or it keeps running into me. The inflatable doesn't tow as well but does no damage when it runs into me. It is also a lot more drag. For both dinks I adjust the tow line based on speed to minimize the drag, which is easy to check by just pulling the towline in by hand. You can feel when it gets easier. Regardless of how I attach the towline to the boat there is always significant chafe. The nip needs to be freshened regularly. (change where it is chafing) I always have a safety line from the towline to a second point in the dinghy just in case the attachment to the boat chafes through. I don't leave anything in the boast because even the slightest weight changes the dynamics.
There is a tide in the affairs of men,
Which, taken at the flood, leads on to fortune;
Omitted, all the voyage of their life
Is bound in shallows and in miseries.
Shakespeare, Julius Caesar IV, iii, 217