I have done several 1-2 week credit card tours, on good pavement, on my best bike, riding town-to-town on my Cervelo R3 with a Tubus Carry (Ti) rear rack, on which I mount two Ortlieb front roller plus panniers (25L) with about 8-10 kg of gear total. The gear includes street clothes and light shoes, bike clothes, rain gear, electronics, tools, snacks.

The Carry carries the weight on a special rear axle skewer, and is secured by a flange attached to the rear brake mount. Nothing is directly mounted to or clamped upon carbon. With the small panniers I have no problems with heel strike.

I have used 36 spoke wheels with Record hubs and DT Swiss RR585 rims. Zero problems there.

If it is raining but not a deluge, I use a homemade fender attached to the rack, and don Gore waterproof overshoes because I have no fenders in front.

More recently I also use a handlebar bag to add quick-access storage/volume, and to counter the tendency of the loaded bike to tip backwards if you lift the weight a bit off the front wheels.

I know it's a silly way to tour, it's not for everyone, and if something breaks the tour may be over. But when I get to my destination, I unload the cargo and have a fantastic bike to enjoy. It does also require finding places to stay that will let you keep your bike in your room or securly stored off the street. I would not feel comfortable leaving the bike out at night. Whenevery I stop en route I lock it up and watch it like a hawk.

Sometimes I fly to my tour starting point wtih a Pika Packworks case. Now I'm really asking for trouble -- flying a carbon fiber bike in a soft sided case. But it is quick to pack and reassemble, light to carry via shoulder strap, straightforward to maneuver on a bus or taxi, often flies with no surcharge, and easy to find hotels able to store it for a week or two, until I return, repack, and fly home. So far no travel damage in >10 flight segments.