Can you be more specific about your SUV roof rack (brand of car)? I have a Toyota 4Runner with roof rack and that's it. If you have a "racing" or "hot rod" store in your area, roll bar foam is perfect for covering the cross bars on your rack. If not, you can simply use towels or foam blocks. I load my yaks hull side up. I've got 10.5ft creek boats all the way to 17 ft. sea kayaks. All work great on the factory rack.

http://www.summitracing.com/parts/aaf-all14100?seid=srese1&gclid=CPr8_P-ep70CFWxp7Aod_0oAHg

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paul, texas KD5IVP