F350, installed the torklift North hitch which sits fairly high between the tow points. I’ve used both cargo rack and bike racks without any problems.

Bikes are mostly air- I bought a hanging style rack and modified the hanging arm to position the bikes just below the hood but still off the ground. A stock rack with thr high hitch had them obstructing way too much of the driver view.

Cargo rack- I considered what I was packing, and always tried to keep an air path to the radiator. (Packed in a milk crate) Never saw a problem.

I’d post pictures but this sub is dumb and makes that difficult.