We have a set of Axiom Champlain rear panniers for our tandem (for credit card touring). On our first trip each weighed about 13-14 lbs. We wanted to avoid carrying stuff on the front of the bike and decided that if it can't fit in the rear panniers or the rack bag then it wouldn't go with us. Today we were reading that 50% of your load should be in front panniers for better bike stability. I'm sure the article was about single bikes but would this also be true for a tandem or can we get away with reasonably loading the rear and not putting panniers on the front. We are a 300-lb team, if that matters.