I weigh more than you and your load put together and I did a credit card tour on a carbon bike with a 24 spoke (F/R) wheelset, with 28mm tires. I was probably 240lb all loaded up. Hit a couple huge potholes without any damage to my wheel. The wheels were hand finished and stress relieved by experience builders so that probably helps. I think metallurgy has advanced quite a bit and rims are much stronger these days than when 36 spoke wheels were the norm, also my experience taking apart wheels at the co-op has shown that old rims are quite soft and easy to break whereas most modern rims require much energy to break. I tend to ride much like djb suggests in that I'm gentle on the wheels when I ride. I have close to 10,000km on these wheels now and the bearings still feel smooth but they are cartridge. New shimano hubs should have a similar service interval unless they get pressure washed or something extreme.