Our 195RB is pretty stable with all 4 jacks set so not sure what the difference would be for you. Once they hit the ground I tighten them up to the point where they are just starting to raise the trailer, then back then off a fraction of a turn. If the ground is softer you may want to use a leveling block underneath them to help keep them from sinking after being set.
Not sure about the bumper rack - I've heard that the bumpers are not that strong. Also, given the low cargo capacity these smaller units have in the first place I'm not sure about adding bikes and a generator. We are somewhat conservative in our packing and we end up running right around 3700lbs loaded with full hot water tank and about 8-10 gallons in the fresh water tank. Not really any room for extras at that point. Might be a good idea to scale the camper with it fully loaded to see where you are at before deciding whether or not to hang another 100lbs or so off the back. You also want to make sure you don't reduce the tongue weight too much - ideally you want that to be 12-15% of loaded trailer weight.
As for draining and cleaning the tanks we use a Camco Rhino Blaster rinser. This is a clear elbow that attaches to the main sewer outlet and has a port on it to attach your non-potable hose to. After the black tank is empty we leave the dump valve open and use the Rhino Blaster to shoot water back into the black tank for further rinsing. It works quite well and we've never had any issues with the black tank not getting clean. Key is to ensure plenty of water in the tank before the initial dump then use the rhino blaster 3 or 4 times to complete the process.
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TT: 2019 ORV Timber Ridge 23DBS, Blue Ox SwayPro 15K/1500
TV: 2019 Ford F-250 XLT SuperCab LB, 6.2L, 4.30/e-locker, 4x4, 164" WB, RoadActive Suspension, 3216 payload
TV: 2014 RAM 1500 Big Horn CC (Traded in)
TT: 2015 Jay Flight SLX 195RB Baja Edition, Andersen No-Sway (Traded in)
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