Its probably overkill for a lot of people, and a biased opinion for sure, but I think ARB builds an excellent rack. I've been pretty hard on the rack systems I've had in the past, and decided to step up to something that wasn’t going to bend if I stepped on it. I got the steel ARB rack (the only one offered at that time, ARB now offers a lighter alloy rack) from Kurt at Cruiser Outfitters. That was like five years ago, and I've been very happy with it. Thing's freakin tough, it seems like my roof would collapse before I ever overloaded it. Driving on overgrown trails, knocking down limbs. I have done dozens and dozens of trips, stepping all over it loading and unloading a ton of gear. Sometimes the wife and kids like to take in the view and ride on top which adds up to hundreds of pounds of bodies and gear. I've used this rack hard and it is holding up perfectly.
The down side is its expensive, and heavy. Clearly any weight on the roof in the turns and in the off camber stuff increases the pucker factor, but the rack is a necessary evil for us, and having it up there hasn’t deterred us from the hard trails... the rack makes for good hand holds for people to hang on to help keep it upright