i've always had bars and bike carriers on my F31 so can't comment on efficiency. Had my roof pod and one bike carrier on during a recent holiday.
I have Thule Wingbars with appropriate mounting for F31 rails. With no bike/pod carriers, I can hear a little bit of wind noise if the panoramic roof doesn't have the headliner cover closed. With the headliner cover closed, i don't really hear it (or the bike carriers/pod).
Pic from recent holiday below.
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