Do these bolt directly to my factory roof rails?

Yes — these mount at factory mounting points on the Cherokee roof rail system. You'll need to source the appropriate rail clamps or fasteners separately if not already equipped.

Can I load cargo directly on these bars, or do I need a basket or rack?

These cross bars are designed to accept aftermarket roof rack accessories — cargo baskets, roof boxes, bike racks. Loading loose cargo directly is not recommended without a secondary restraint system.

Is the matte black finish pre-cured, or will it scratch easily during installation?

The matte powder coat is factory-applied and cured. Handle during install like you would any painted part — it will show marks from clamp pressure or contact, but normal surface scratches won't compromise the finish.