Both of those issues can generally be worked around on most bikes in my experience and too much is often made of them.
Heel-pannier clearance issues can generally be mitigated with mounting position assuming a suitable bag choice (one that is a shape and size that doesn't make the problem worse than necessary).
Toe overlap issues are something that I always found that I quickly adjusted to on any bike that had them. I'd notice the problem for the first few short rides or maybe for the first few very slow speed turns or stops while turning on the first ride then subconsciously adjust to it and never give it a thought after that. I guess that doesn't work for everyone.