This will come down to what roof-rack system you choose. Good quality brands have load limits of 80 to 100kg, and that’s a fair bit of weight to be placing up high on the roof of an already high vehicle like the Territory. By using all that capacity, you’ll be moving the vehicle’s overall centre of gravity and that can have an effect on handling and stability, particularly in a cross-wind. You’ll also use more fuel even when the roof rack is empty. The rule of thumb is to always put the lightest gear on the roof.

Some Territories of around this vintage experienced a problem with a dud output-speed sensor within the automatic transmission. The sensor could cause an intermittent fault where the transmission wasn’t telling the rest of the car how fast it was going and, in some cases, could cause the transmission to suddenly shift back to first gear. That sounds a lot like your symptoms. Ford reckons it had this problem fixed by early 2013, well before your car was built, but I reckon it’d still be worth a check of the sensor’s operation via an electronic scan.

The other recurring problem with the Territory’s transmission was when the transmission cooler failed internally and the gearbox oil and the coolant became mixed. That destroyed the gearbox both mechanically and electronically in pretty quick time and if that’s your problem, a rebuilt or replacement transmission is the only fix.

The Kia Sorento, our Car of the Year in 2015, gets The Tick from me. It has everything you want and need and is a good drive, with a seven-year warranty. If it's out of your price range, go for the smaller Kia Sportage.