Exactly.

It all comes down to personal preference so my suggestion is, as it always is, go on short tours to find out what works for you.

I have tried riding with a heavier load, and a really light load, and have settled on something in between.
I have tried riding with 4 panniers, with panniers just in front, and with panniers in the rear, and I now have a setup I like.
I've got the gearing I like and when we tour, it is a style I like.

And I assume that everyone else touring has gone through the same process and has decided on what they like. The OP is now going to have to do the same.