I load everything I can into my kayaks before loading them onto the car: fishing rods, PFDs, wetsuits & kayak clothing, shoes, paddles (yes they do!), daggerboards, carts etc etc. Anything that will fit basically.
The kayaks then travel right ways up in kayak holders. They can get pretty heavy but I still manage to load them singlehanded by putting one end up first and then lifting the other end and sliding them into the holders (I cover the grippy rubber holders and the back of the car with a thick blanket to allow them to slide in the holders and protect the car's paintwork)
I put them onto the car so that they travel backwards, that way the seats do not have to be taken off: I just pull the straps tight so that the backs fold down nearly flat, and if you forget to bungee the rudders down it doesn't matter much.
I have even found that stuff under the bungees on the load tray is secure enough so you can load stuff in there too if you want, though obviously you wouldn't want to put anything too small/light/valuable in there.
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