Shorter road bike geometry does get more wiggly. I'd agree yuo can add a front bag and distribute the load. Heavy item up front and lighter stuff in rear. or if you really have the need for the touring frame go ahead and get it. Like you said, its inexpensive, will work with all your stuff and its nice to have the right bike for the right job. Full bevy of eyelets is a beautiful thing ona frame... As are fatter tires, fenders and racks when you need them.