As for door dings, I'm gonna get the boulder bars/side steps, which will likely protect the doors from all but other SUVs from dinging the doors.
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No roof rack due to rollover risk false impressions set by Consumers reports. Outside the US they come with racks as an option. I will be importing the real Isuzu ones for around $225 from australia. Also a few people on http://isuzu-suvs.com have installed racks (see gallery) that look stock.
Payload is a suggestion. If you flip over to the owner's area I posted up a recent towing experience with my truck fully loaded down and 980 is BS as far as how much it can carry.