The metal panels on my cabs are .09" steel, which is 12 gauge. To accurately bend steel that thick you really need a press brake. You might get away with a regular sheet metal brake if the piece is narrow, but with a two to three foot wide piece you'll likely damage the brake.
About the aluminum cracking when you bend it, it depends alot on the preticular alloy and it's temper. For instance 6061 is a fairly common aluminum alloy, and you can get it in six levels of hardness. 6061-T1 you can fold with your hands, 6061-T3 bends nice and clean in a brake, 6061-T6 will definately crack and will likely shear right off if you try to bend it.