My advice is to skip the J racks for solo loading and use a different means of carrying your boat when alone.
Loading - I like Yakima's boat loader:
Using it does require you to have the Yakima cross bars.
Using the boat loader and a small stool, I can load on a much taller vehicle - Honda Odyssey without too much difficulty. I prefer having help to lift the boat but have no problem doing on my own. With boat on shoulder, I walk to the boat loader and lay the bow on the bar and then walk the boat forward until 1/3 of the boat is on it. Place the stern on the ground and then go and pick it up and slide it the rest of the way and onto the cross bars.
YakCatcher Rod Holder
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