Will this work if I'm keeping my factory bumper beam?

Yes. This is a cover that installs over the existing bumper structure. You're not replacing the steel beam underneath—just the visible outer panel.

Does the black finish need to be painted or sealed before install?

The cover ships primed and ready. Paint or ceramic coat it before mounting if you want extra UV protection and durability, but it's not required for bolt-on fitment.

Will this clear my factory towing package?

This is a left-side cover only. Check your trailer hitch receiver location on your specific truck—if the hitch is center or driver-side mounted, test-fit before final fastening to confirm clearance.