Speaking for myself, I use my bob on my touring and mnt bikes. I also have panniers. It really depends on where Im going and if I want to ride after making camp. With the bob--just unhook and go. For touring, I use panniers, because I dont care to ride after a long day. For the weekend camping trip, the bob hauls more and is more convient to load/unload.
I dont have a problem with stability using the bob except on long downhills--over 25mph it starts to wobble if I dont keep a firm grip on the bars.