If just putting clothing in the bag, it should be fine. But the roof panel is pretty flimsy on my '21. I would be hesitant to toss anything directly on the roof that had any weight plus rigidity. It might make some slight dents if cinched down snuggly enough to keep it from sliding. Maybe I am a little over cautious.
A cheap set of crossbars and a basket are probably going to add $200to $250ish. But I guess that's cheap paint insurance.
You wouldn't need a high dollar basket to hold a soft cargo bag with under 100 pounds in it.
I personally wouldn't want to put more than 40 pounds spread out over the roof on my '21. It is a pretty large flat surface compared to some cars. Other than the structure underneath, it doesn't have much strength.
A formed panel is less likely to deflect than a flat one. The roof panel on my '99 Cherokee wasn't much better as far as material thickness. But it had channels formed into it. It was a little more resistant to deforming when pressed upon.
Edit: Actually, they sold vinyl strips as an accessory that went into the channels to help protect the paint. Not that you would want to stick a bunch of strips up there. It makes it a pain to wax...
I guess it comes down to just what you are storing up there, and how concerned you are about the roof appearance.