It doesn't matter. If you look at the IIHS categories, it doesn't make a distinction between crossover and SUV.

http://www.iihs.org/iihs/ratings

The distinction between Crossover and SUV are mostly marketing and some technical differences. Mostly, the underpinning of a crossover is a unibody platform, whereas SUVs are generally body on frame. However that technical distinction is also marketing driven.

Yep. And a lot of SUVs these days are not really SUVs in the traditional sense. The thing about the Tesla that gets me is that you can't even really put a roof rack on it because of the doors. Which for a lot of people I know (including myself) who drive SUVs would be a complete showstopper.

More than anything, an up right vehicle with a hatchback is likely slotted into the SUV category.

The utility of the roof for carrying cargo is not a factor for determining private passenger vehicle category.

I always assumed the frunk was way more useful than a roofrack

Bikes, skies, canoe and so on. All stuff you can put on a roof rack, but not in the frunk.

There are probably ways to mount bikes or skis in the back. (The bike rack on my SUV is actually in the back--which has pros and cons.) But I need a boat rack and there's no way around that. Plus the odd pieces of lumber, etc.

Worth mentioning that that the Model X is longer and wider than a 4Runner. The 4Runner is taller though.