Craig, take the ins. money, buy a 4x8 trailer from Northern Tool, the kind that you can fold the tongue and stand on its end, saving floor space inn the garage, ~$2-300. Throw out the cheap Chinese bearings and tires, install decent ones. Use Coro panels and make a mini-horse trailer fairing to enclose the whole deck, wheels, and tongue. This protects and streamlines the cargo, and for a few bucks more at WalMart buy a couple of 1/2" thick camping mats. Camp out on the way home, using the flat bed of the now-covered trailer and the mats, effectively a nice tent. Use drop cloth to cover the streamliner when removed from the trailer at night for camping. Use lightweight jackstands to level the trailer when camping.
Done right, this trailer may actually save fuel at highway speed, as it fairs the turbulent flow behind the tow vehicle, per Aerohead's and others' findings.
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