True, but the amount of lift generated by the fuselage varys greatly on the design. The F-14 generates more than 50% of its lift with the fuselage. The F-15 still has about 30%, due to the wide flatish layout.
The F-4 has a fairly narrow and relatively high fuselage which is not very capable of generating lift....i don't have exact numbers, but judging from the layout i'd say 5%-10% max. Also when considering G-loads on the rod, is is important to figure fuselage weight only! Wings generate the lift needed to raise themselves, so no loads for this are induced into the rod.
I dimension my rods for +/-20Gs....true performance will probably be around 25-30, but i'm rather safe than sorry, especially if something should go wrong and a situation should arise in which i have to "slam the stick". 20Gs are still a turn radius of 500ft at 120mph....