OK
I'm gonna be "that guy".

"A ship in a harbour is safe but that is not what ships are built for"
All manufacturer's have language in their published materials to protect them from the potential that something might happen if someone uses their product.
I personally don't want to live in "Failure Avoidance Mode". In other words, don't do anything because it might go wrong mode.
I wanted the most secure way to bring our bikes with us camping. I researched the best options and installed the best equipment to accomplish that goal.
I take reasonable care and caution checking that everything is tight and the load secure before and during travel.
We enjoy camping and having our bikes available to use and enjoy as well.
I tried the totally worthless Lippert cargo rack/bike carrier that was installed by Keystone, knew it was not the way to go and scrapped it for the set up we have now. I'm confident after a couple thousand miles of traveling that what we have now is safe. I still check all the securing points on the rack and the hitch at every stop. I also check the 5th wheel hitch and tires for any visible problems as well. When I pull out onto the road, I'm 100% confident I've done everything I can to insure a safe trip. Yet, something can still go wrong. Flat tire, broken shackle, bearing problem who knows. But I'm still going camping!
In the end good judgement and common sense are the best tools we have to minimize the chance for problems.
Hope this doesn't offend, just my .02