I do pretty much the same as the others. Heavy, dense stuff in front; lighter, fluffier stuff in back. It's easier to access the front panniers since the tent and sleeping bag are on the back rack, so I put things in front that I will want to get to during the day without unpacking everything - my little gas bottle (I burn unleaded gas from the gas station) and a book/Kindle. I put my stove on one side in front and my cookware on the other. My stove is lighter than my cookware, so my bag of tools goes on the stove side.

I have a platform rack in front (Jandd.) My Big Agnes air mattress fits perfectly on the platform. My tour this summer took me through grizzly country, so I bought an Ursack and carried that on the platform as well.