I wrote up a short review about the Racktime Addit, which is what I use on my Cross Check. Don't look for any other info on the site though, because this blog is brand new (started just two days ago) and that is the only post so far.

http://roamblog.blogspot.com/

I don't have any heel strike issues with the Addit and a pair of Jandd Mini Mountain panniers, but I have size 11 feet, not size 14. I also had to make some modifications to get the panniers to fit the rack, as described in the blog post.

Beyond that, I'd say some good advice has been given here already. I agree that the CC is a bit squirrely with a rear-oriented load. So, front panniers coupled with a dry bag strapped to the top of a rear rack is a good way to go. It would also solve your heel strike issues. Unfortunately for me, Surly did not include mid-fork eyelets back in 2007 when I got my Check, so I'd have to scrape the money together for an Old Man Mountain if I wanted front loading capacity.