Cargo netting would probably be much, much more secure than a sheet of plywood. As long as the attachment points hold fast, netting like that typically has a break strength around 900 lbs. of force. With factors of safety (under-estimating the official rating), it probably wouldn't break at less than 1500 lbs. of force. That said, if you're looking at spending that kind of money, I'd probably look into a roof box, hitch box (and hitch, if you don't have one), or even a tow-behind trailer.