For the love of God Ruthie don't bloody ride yer bike up the ramp!!! By all means use the engine to run it up, but not while sitting on it! Less 'mind your head', more 'mind your entire body'.....
I must admit I've never had any probs loading a van alone as long as you've got a couple of bits of foam handy and a decent ramp/plank.
I'm also running the van/car debate around my head at the mo. I know all reasonable thought points to a used Ford Focus/Audi A4 or similar, but I can't get it out of my head how much I want a van!
Time (and the bank manager) will tell....
Ali