My old Volare handles just fine with panniers and a rack. Frappin thing just goes no matter what. It just a bit twitchy,I actually prefer to call it responsive rather than twitchy when compared to the Windsor or my Raleigh Cadent.
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(Life is too short to play crappy guitars) 2006 Raleigh Cadent 3.0, 1977 Schwinn Volare, 2010 Windsor tourist. ( I didn't fall , I attacked the floor)