I’m not even a newbie, more like a wannabe. I’ve ridden road & MTB bikes for years, and I backpack. So, it makes sense to combine the two. ‘Where have I been; right?’ I bought an old lugged tourer with a rear rack and would like to ease my way into it by trying an overnighter. I can fit enough gear for a 3-4 night backpack into my 65 liter pack. It seems like I could get everything I’d need for a night or 2 in a couple panniers and maybe a trunk bag. But, putting all that load over the rear axle seems like it would throw the bikes riding characteristics off. How important is it where and how the weight is distributed over the frame of the bike?