Being vertically challenged I drive with my seat quite far forward and find that my clubs just fit, with the top of the bag up against the seat and the bottom against the boot/trunk, doesn't matter if the roof is up or down, in fact it helps if it's up so you can fully open the boot to slide in the golf bag.
Try putting the passenger side back seat down and pulling the passenger seat fully forward.
You should be able to put 10 golf bags in the mini with the top down! If you have to have the top up, it better be because it's raining, and you shouldn't be going to play anyway.
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