+1 - I have a garage but the door opening is too short to allow a roof mounted spare to pass under.
The issue is bending not breaking, and it doesn't affect the cladding or skid plate. The problem with Tone's hitch is that it's attached to the last cross member (or bumper bar I can't remember) and not to the frame rails. Therefore excess weight causes the cross member to twist, as opposed to a normal tow bar which would push down on the frame rails to which it's attached.