Bigboyslimjimbo,
Just make darn sure you empty the rack before wheeling it hard no matter what rack you get. The best way to end up on your side or tumbling down a grade (family and all) is to pile stuff up there. Its the worst possible location for anything heavy. It looks real cool at the mall and works great on the highway or for fire road wheeling but if you are going off camber it makes things a lot riskier. See if you can put bulky light stuff like sleeping bags, tent, pads, clothes on the stock rack first. Keep your spare, cooler, food, water, tool kit, axle shafts (axles fit well beside the passenger seat) tied down in the back. Put the high lift as low as possible too (stock tire carrier, hood, rear bumper etc).
I have piled crap up there before and wheeled it hard. I wont do it again, especially here in the east where greasy off camber stuff is Very Very common.
John