It's not a simple unbolting, you have to remove the bumper cover, then the bumper rebar to remove the hitch. With a car that low from the factory, you'll be hearing scraping sounds if there is a inclined entrance ramp or driveway, since my old Passat with a hitch, the platform rack was always dragging.
The basic Swagman rack, well, it's a basic rack... if you want to access the hatch with a bike on it, you have to remove the bike and fold the arm down, not that convenient. So yes, you can spend more to get a platform rack that tilts down to access the hatch, and not contact the frame at all. Some people don't like racks that need to hold the bike at its frame.
There's a video of the Fusion install linked above--there's no unbolting required? It doesn't really look that low, either. If you're talking about my R (or most VW's), then yes--the bumper cover has to come off. I'm doing that this weekend.
And yes, if you want a more convenient rack, you have to pay more. I have a Kuat Sherpa, which I love. Not sure of the retail price on it, but yeah, I don't think it's cheap. It only touches the wheels, and hatch access is easy.
All of my bikes now use thru axles (road and mountain), which makes roof racks even more of a pain