Using the puck system to the rail adapter is pretty much your only choice, as you've found so far.
Any hitch sitting in rails can rattle, but having used ISRs for a while, I've never heard rattling, loaded or not.
Why worry about the legs on a 20k hitch if that's what it's rated for? Personally, I'd get something that will work for now, and then sell the setup and get what you really want once it comes out.
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