The pinned bar covers the bottom of my page

It should not any more: from 1.4.31 the page gets extra room at the very bottom, the height of the bar, so the last lines can be scrolled clear of it. Someone moving through the page with the Tab key has each link brought up above the bar as they reach it, rather than left hidden underneath. If your theme has its own sticky footer, or a chat button sits at the bottom of the window, set Distance from the bottom (px) under Display → Positions to its height and the bar sits above it. (The CSS custom property --trss-bar-offset still works for a theme that sets it itself.)