I don't think that there is anything wrong with using those components to simulate the harness. I just hadn't understood what they are for.
You are right that fast transients may need some capacitance.
I suppose my concern is that at the lower frequency / longer time period of a load dump, those components won't make much difference.
There needs to be a significant resistance in series to simulate the load dump properly. If you have an an alternator generating 15 V at 100 A, the unloaded voltage could well be 80 - 120 V if the load is disconnected. The regulator will reduce that but it will take half a second or so.
A simple model of that alternator, ignoring the regulator, could be 120 V in series with 1.05 Ohms. A TVS or capacitor will be quite effective at limiting the transient for a short time, until the TVS overheats or the capacitor charges up. By putting Q2 in series, that time can be limited to a few hundred microseconds.
Of course, in your circuit, by disconnecting the 48 A load, you are making the load dump worse for anything not protected.
On the circuit that I made, the current draw was much less, so the MOSFET adds some resistance as well. I use a 330 uF capacitor after that, and the voltage on that only jumps up about 1 - 2 V before the MOSFET turns off