I ran into exactly the same panel rub issue. Only on hot days here in Tucson. (There are many of them) Just had it serviced at the Phoenix center and they did a great job of realignment of the fender as well as the hood to correctly align with the moved fender. They are well aware of some cars...
I have a Kuat rack that works perfectly for 2 road bikes. It is the new smaller unit for lighter bikes. It is powder coated white and looks great on my white R1S. It is probably to light for bigger heavy bikes but if your bikes are lighter it should work. Clears the bumper and tightens...