I use a truck bed extender like the one in the link below. I have never seen one that lowers and raises. Just have to pick the truck bed position or the high rack position.
I use in the truck bed position and it is fairly easy to load my 2014 outback. I just prop up the nose and walk back to the stern it slides right in. I am in a Dodge ram and have never dragged the back but if you are lower it could be a problem.
Check those cheap models for the weight capacity.
https://www.homedepot.com/p/TriCam-3...E&gclsrc=aw.ds