To me it sounds as if you are taking the very long way around the problem approach. Like the others have stated it is not that big on a problem, nor does cutting a hole in your bed sound reasonable. You can drop the fuel tank, or remove the bed, with the first being the easier of the two. The access door would be ok if this was something that is a constant problem, up it is more like a once in a life time thing.
If I was to follow your reasoning, People would cut an access door in there fenders to service the fuel filter, at least this is something that you would do over and over.