It will definitely dampen the enthusiasm of the aftermarket bed manufacturers as far as putting them on a 3rd gen DRW, but I wouldn't have a problem doing it myself. I would imagine that someone would have to prove that the aftermarket bed caused the accident and as long as you're not over GVWR or rear GAWR, I just can't see it happening. A very small risk as far as I'm concerned, of course the laws are different up here, eh?
Maybe owning a construction company and living with all the associated risks has clouded my judgement, but trust me, I have alot bigger risks to worry about!
Cheers
Dave