on my light cargo bike (a bridgestone mb-1 with panaracer t-servs at high pressure and racks) I often pick up my wife for lunch and carry her to restaurants (it's too much trouble for her to get her bike out of the building during the day.) I have a Jandd expedition rack, which is one of the heaviest/strongest around, and attach via two rack eyelets at the bottom, and three hard points at the top (two eyelets and the brake bridge.) Blue loctite on the bolts, no problem with the weight (she's around 115, but I've carried 150 of cargo on that thing.)