I had the same thought about the xterra rack. I like the front farring plan on looking into something similar (as soon as we get our new Escape). I use a Thule cargo carrier on our CR-V and plan on using it on the Escape from time to time as well. We do a lot of bike riding. We have a cargo trailer that hooks on the back of the bikes. All of the biking gear goes up in the carrier (trailer, helmets, shoes, panniers, etc). Loading isn't too bad. All the small stuff can be loaded from the side by opening the doors and standing on the running boards.