I have the TI car-topped on a 2005 C-class Mercedes estate, and haven't discovered any problems. I've been driving in high winds, and on bad/bumpy roads (like, really bad).
I have the cheapest roof rack that can take 100kg, and I've padded it with some foamy pipes. Next year there will be long trips with the car. I'm planning on making somekind of support back on the tow hitch, like the Rhino T-bar. But honestly, it does not feel like I need it. If it should matter, it's pretty cold all year where I live.
Also, here in Norway it's actually a nice thing not having a trailer for the TI. I park in small places, there's narrow sheep-roads down to the sea and almost no concrete ramps.
I've read all the warnings against car-topping here on the forum. I don't have space for a trailer.
Raising the kayak up/down might be problematic. It depends on your strength.
After using the TI for a few months I would say; if you can pull the TI fully mounted up from the shore, then you also have the strength to car-top it.
I do it almost like this guy:
https://www.youtube.com/watch?v=R30vRBo67i8Let's see if I can post a pic...