Shorter wheelbase bikes can be used with panniers on a low rider front rack along with a duffel bag/tent/sleeping bag on top of a rear rack, or ginormous seat bag, as long as you're aware about the front bags possibly having a low speed toe strike issue because of less fork rake.

This actually increases the bike's stability at speed when loaded. More problematic are narrower rims and tires with lower spoke counts, and higher gearing.