I understand the definition of fully loaded to be about what you carry and not necessarily how you carry it....so sleeping stuff, cooking, tent, plus room for a reasonable amount of clothing and personal items is fully loaded to me. Whether a bike is also good for adventure riding is going to depend on tire clearance, maybe suspension and certainly the ability to carry sufficient supplies. You can do all that with many types of frames.
The 25mm tire limit on my carbon Cervelo means that I would not strike out on any really rough stuff with it, but for road touring and light gravel it's great. As you can see you don't need frame inserts or multiple bikepacking bags to tour "fully loaded". But I hanker for bigger tires to give me a few more options so a carbon Specialized Diverge is top of my list and I think that will be an excellent on and off road touring/adventure bike.
The worst part of the setup is not what you have or how much, it's how you carry them. Having weight that high is probably the worst part of the setup.