Everything I read about wheels and loaded touring pretty much says 36 spokes required, 32 absolute minimum. Thing is this is typically directed at average adults ~200 lbs with ~50lbs of gear.
My bike has 24 in the rear, and 20 in the front. I am a small guy, 5'7" and 130lbs. Also pack light gear, don't expect to have more than 15-20 pounds on the rear rack and nothing up front. Will I be okay on 24 spokes? The tires are 700x23 if it matters and I'll just be riding highway pavement.