Originally Posted by
Machka
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.
100% with you on that. I want to be reasonably comfortable both on and off the bike, with the balance somewhere in the middle. Don't want to do without clothing, electronics, food and other gear on a vacation, but also don't want to carry so much that riding the bike becomes a chore. That balance can only be found by trial and error, because everyone's comfort zone is different.