I've never ridden with that much weight above the top tube - what is it like to carry 25 pounds (spread front and rear) above the top tube?

Maybe we are thinking about different kinds of roads - but I'm not sure I'd want that much weight up that high while descending 8%/3 mile grades at 30 mph.

Is it common in touring, even lightweight touring, to carry weight that high?

Just asking 'cause I've never used anything but panniers.