? I read the question was steel or aluminum Torklift tie downs, not H/J verses T/L. And opinions on finish of fastguns.
My vote also is stainless on the fastguns.
On the tiedowns, I couldn't justify cost of the aluminum Talons, and have never cared for the look of them. But don't have road salt issues which might be consideration, a block from the ocean rust, as far as function, hasn't been problem.
As to covering fuel door, our long bed also requires removing to refuel but simply is not an issue, wasn't even when I had chain and turnbuckles and used crescent to loosen nuts.
DRW fenders stick out further than the tiedowns, tail pipe among other things hangs lower.
I use locks, other than to keep from growing legs is to positively ensure they don't self disengage, regardless how unlikely.