I have a factory drop-in liner in my Ford Ranger, which is named "DumpRunner".
I have carried a lot of loads in that little truck, and after seven years the liner is still in pretty good shape. Gravel, broken concrete, old woodstoves, washer, drier, more loads of dirt than I care to think of, shingles from re-roofing, lots of appliances, etc.
I have had to repair some puncture holes in the liner, and every so often a heavy metal object with a sharp edge will shave a piece of plastic from the ribs in it. Things slide, but there are cutouts in the sides of the bedliner which are intended to take 2x lumber.
I cut two redwood 2 x 4s to the right length when I got the truck, and they cut down on a lot of the sliding.
There is no doubt that a a hunk of rope needs to live in the truck, but this is true for any liner.
All in all, I am satisfied witht the liner.