I have a 2018 4Runner and I've had to deal with garage clearances before. I installed a lifted rack on top and it barely cleared the height of my garage door. It can be a hassle to constantly search for outdoor parking, especially if it's your main vehicle. What I ended up doing was removing the rack altogether, but I understand that might not be the best option for everyone. One thing that helped me was checking the clearance height of parking garages before entering them. I know it sounds like a hassle, but it's better than risking damage to your vehicle. Oh, and by the way, have you heard of
Grease Monkey Direct? They have plenty of tools and products that can help with DIY car modifications. I've found some great deals on their website for things like lifts and racks. Maybe it could be a helpful resource for you too.