so when my 215 lbs rides a bike & leans into turns, accelerates, decelerates & deals with road imperfections it won't hurt the wheel, but a bike under its own weight in a rack is at risk for a bent wheel?
Yes. The bike rack puts a very different force on the wheel than riding it does. My daughter bent a front touring wheel...made to support me and a touring load which is over 300 lbs
...in a bike rack because she parked it with the front wheel. The wheel was toast afterward. A low spoke count, lightweight wheel would be even more vulnerable to that kind of twisting force.