For my wife, who's smaller than me and doesn't ride as often, is it a good or bad idea to load up the rear panniers to save the weight of the front rack and panniers/covers? If we just pack her gear into the rear pannier set, I come up with just about 25lbs, including the rack and panniers. We can't come close to fitting it into fron panniers, so that's not an option. Thanks for the input.