In my case for the last 21 years, the topper has not been an issue except when the load exceeds 41" tall. I do keep a wrench that loosens the hold downs so I can load 41-45" tall stuff and have a hook in the garage for those loads where I know before that I have to remove it. Takes about 1/2 hour excluding cleaning out the garage.
A sheet of 3/4 plywood and the plastic bedliner make unloading easier.
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