Here's my personal opinion on why these issues occur.
First, I don't believe the keel rollers are even needed. Other bass boats don't have them. The V isn't deep enough to hit the trailer frame between the guide boards anyway. I wouldn't be putting mine back on, except for the fact that I don't want to go through the hassle of grinding off the brackets.
Second, the idea that the boat should be just touching the rollers but not bearing any weight doesn't leave much room for error. When the boat is fitted brand new so that the hull just touches the rollers, the carpet on the trailer is still fluffy and the wood in the bunks is still fresh and wet. Let that wood dry out and shrink just a hair, the carpet gets smashed down, and the boat settles in......just touching turns into weight bearing real quick.
If you don't tow very far, it probably doesn't matter how the boat sits on the trailer. But if your regular trek to the lake is 100 miles each way, a better fit is critical. I've done a lot of research and talked to a lot of folks over the last few days and here's how I set my trailer up. The vertical bunks carry all the weight. There's 1/4" to 3/8" clearance between the hull and the rollers. The flat 2x6 guide bunks in the middle just barely touch hull at the front (I can slide a piece of paper in between), and there's about a 1/4 gap at the rear. And the bow hovers about 1/8" over the bow stop (I think it had too much weight on it before as I had to lift the nose occasionally when loading). To achieve this, I used shims blocks of different thicknesses under the bunk boards until I got it where I wanted it. I ended up with a 1 3/4" block under the front of the bunk and 1" under the rear. I also bumped the boards forward about an inch before drilling fresh holes, which shouldn't be a problem since there is plenty of excess hanging out the back.
Now just waiting on the local glass shop to get the gel in and I'll be back on the water. Not cheap and not easy.....I spent two nights rolling around on the garage floor with my boat on jacks. And I have no idea what the gel repair will cost. But it will be right in the end.
What I did to reconfigure the trailer will work as far as keeping the hull off the rollers and guides. I think it'll load just as well or easier based on where the nose falls in relation to the bow stop now, but only time will tell here. I'll report back after I load it up a few times. The way I got there was trial and error with different block thicknesses, but when it comes time to redo the trailer carpet, I'll replace the 2x6's with 2x8's. No reason not to. At the front, I can use the 2x8 at it's full width and simply notch the rear. That will let the bunk rest on the trailer frame instead of carrying all the weight on the bolts anyway.
I disagree with the notion that it's the responsibility of the trailer manufacturer and the boat builder has no liability here. I bought a boat/trailer combo from Allison, not a bare hull. Allison commissioned the build of the trailer from boatmate. Whether the trailer was built to spec or not, the boat should be fitted to the trailer before it leaves the factory. Not left up to the buyer to discover and fix. And the compression of the carpet and shrinking of the wood, etc., should be taken into account in the tolerances.
I highly recommend anyone with an XB21 to get underneath, crawl around, check the rollers and the guide boards. If there's weight on any of those, it's only a matter of time. Maybe it's more of an issue with the 21's because of the heavier hull and heavier motors. Seems like 03's mostly had the opposite problem, with the bow too high. Either way, look closely at yours and save yourself a lot of headaches down the road.