People often work very hard to make things more complicated and to waste money and energy. The racks are a perfect example of wasted money by most newbies including myself many years ago. I realized you don't need a rack most of the time but rather look for reasons to justify it because it looks the part.
A big rack will cost you $850 twice, (my Hannibal racks were both $1200 though) first time buying it, 2nd in more fuel used.
Math for consideration: 15,000 miles per year at 15 mpg avg = 1000 gallons x $4/g = $4000
Most racks will cost you at least 5% in mpg, some more like 10% and it of course depends on speed. Thus in a few years a rack can actually cost you twice as much as purchase price.
Same goes for heavier and wider tires. Both look cool, both are completely money suckers. Bigger 18" off road tires generally cost more up front but also cost you in fuel and brakes. A narrower tire offsets this and actually works better in most off road situations if you're going with the larger diameter.
Cross bars can carry a roof tent, bridging ladders, jerry cans, all sorts of stuff actually and then later they can actually be the supports for a rack if/when you get one.
Back to simplicity, I have 2 waffle board bridging ladders on the roof not using a rack or even cross bars. They simply sit right onto the factory rails at the rear over the glass and also serve as a standing platform for photos from a higher viewpoint.
Racks and even bars are noisy and anyone saying "they didn't add any noise" is deaf or 100% FOS. All roof stuff ads noise to some degree. A snorkel adds noise as well as window rain deflectors. The modern rovers lr3/4 rrs all became massively quieter than the previous generations, massively.
In the winter my lr3 rack is off because we aren't roof tenting or using awnings which are the only reason to have it on anyway. Adding weight to the roof also kills it's quite good highway handling.
PS. Maxtrax only work for certain situations. A rigid bridge can serve a multitude of uses both off road and and beyond off road recovery. The best value in uses/$ are the fiberglass bridging boards but the nicest are the larger Mantec aluminum bridging ladders.
Lastly, you mentioned $850 being too much right now.... if your toy budget is stretched that tight, my guess is the rack is not honestly the best use of any $ even if in a deal w a friend to build one.
It can actually be fun and feel rewarding to see how much you can do with the least possible, meaning no rack, no winch, no sliders, no bull bar. It depends on priorities too. Back country camping in my opinion has a totally different top 5 items list of mods vs wanting to go bang up the body panels with some jeep friends vs ultra long road trips around north America in winter vs summer.
One person will have a dual battery and serious fridge at the actual top of the list while someone else is fine with BFG AT and an engine guard or tire carrier.
I spent more on outfitting my lr3 when I bought it new in 2007 than someone will spend now buying a used LR4.... that doesn't mean I'd do it that way again though.
The best way to dial in your priorities list is to just get out on some day trips and also camping if that's a plan. You end up thinking along the way "**** i didn't need this" and "ah, that one little thing would be perfect for..." My first rover was the 96 disco and I went on so many day trips with the rover groups and my own road trips for bike racing and it was totally stock until the factory tires wore out then I wore out a set of BFG AT ... twice. Along the way all it got was a dual battery and slightly bigger tires. I put over 200,000 miles on it. I apparently lived through it and guess what, sold the Safety Devices rack that got used for firewood a few times LOL.
Have fun, soon !
