The downside to toploading is unloading, if you intend to keep the rifle unloaded in the truck.
If there was a perfect application for a detachable magazine, it would be on a truck gun.
Why would one keep a rifle unloaded in the truck? Unless of course if you live in one of those dumbphuck states, like Blackheart and I'd assume Merryland.
Keeping a rifle loaded in the truck is perfectly acceptable here and I'm assuming in Montana, based on past experiences there.