I've never had good luck with roof racks - they always seem to leak. I am missing some floors out of a first year Jeep XJ because of that. My burb doesn't have any holes in the roof and I'm glad I found it that way, I'd be afraid to put my fat you-know-what up there anyway for fear of deforming the roof.
I do a lot of tent camping, but its longer term setup (I work at a festival where I am out there every weekend for a 14 week stretch), and always in the exact same spot so I tend to go a little overboard - to the point where I'm not exactly joking when I say live better there than I do at home. I have a level wooden platform that it all gets set up on, and I can fit a full size bed frame in there (along with custom wooden chairs, a coffee table with antique lamps, candle chandelier, gas heater with outside tanks and a personal bar). Setup time is a full day in and out though so I won't even bring it out for less than a 2 week event. For weekends I'm short enough to just sleep on the back seat of the burb and call it done.