Fully loaded is as little as possible and only what's necessary. Laptop, pants, and shirt in the pannier. That's fully loaded in my world.

Everything else lives at work: like shoes and misc. sweaters and vests. Or it lives on my bike: pump and a small seat wedge w a tube, patch kit and mutltitool. Each of my bikes has it's own set.

I know me and I figure the less I have to haul the less chance I have to forget stuff so I designed my world around my shortcomings.