Rip, that idea of using the spare tire as an anchor is a good one, but there is a catch. I have discovered that on some Fun Finders (like mine!) the spare tire is mounted on bolts that go through the wall and are backed by washers and nuts on the inside.
I discovered this when I noticed that the spare tire was wiggling a little. The point is that the spare was not mounted to a structural element, such as a stud -- the mount depends solely on the strength of the rear wall panel.
In order to improve the spare tire mount, I unscrewed the inside nuts and washers and instead installed a large metal plate to spread the load over a much wider area of the rear wall. (I drilled holes where the mounting bolts come through the plate from the outside.)
So I would recommend something like this in order to beef up the spare tire, if you want to use it to anchor a rear rack or whatever.