Like you said, it is subjective. When I first put the cross bars on, we drove around for a few days before adding the cargo rack. During those few days we (my wife and I) noticed very little to no wind noise and no whistling even while on the interstate going 70 mph. Zero to mild cross winds those days.Looks good, nice writeup and pictures too. I know its a bit subjective but how is the wind noise with cross bars only and bars + rack?