Buy it. Stable ride, good components, dosen't even notice a load (72km/hr on a downhill wilth panniers, no shimmy or wobble!). The heavier you are the more you will appreciate a bike like this.

The gearing is low enough for loads, high enough to still be useful for when you ride it without a load.

T800 wheels are good, I have re-trued once after ~3000km - rear wheel after riding on gravel on a flat tyre for a little while. Rim was fine, no problems since. The T2000 has better wheels, if I remember correctly.

I haven't ridden a loaded T2000 but unloaded it feels the same as my T800 despite the different fork. Seemed to respond well to effort, felt really smooth too.

Yes, it is a stiff bike and you will feel the bumps if you pump your tyres up hard. With medium pressure 35s it is pretty comfortable. It comes with a suspension post which helps some, but the hardware will still rattle on rough roads.

The single eyelets at the back are a bit of an issue. I suggest using cable ties for your mudguards, and having the most secure pannier attachment possible. Watch the rack bolts, you don't want these getting loose. Some racks have attachment points for mudguards (although the included Blackburn rear rack dosen't).

I have toe overlap problems with the front wheel on my size M frame, but I probably should have gone to a size L (I let the bike shop talk me out of this...). Also, the 3rd bottle cage on the size M is too close to the front wheel to be useful - I can put a 500ml bottle there without fenders, but not with. Again, the longer frame in the larger sizes dosen't have this problem. I get the impression that this bike works best in the larger sizes, for tall heavy riders.

The other potential fit issue is handlebar height, I would have expected a longer steerer on a touring bike (they can always be cut down). This may or may not worry you. I swapped to a slightly higher rise stem. Again, this is probably a frame size issue (live and learn...).

I find it really hard to get enough braking power from the hoods of my STI levers. The shifters on a T2000 feel the same. The brakes themselves are fine, work well from the drops. The shape of the handle bar makes it a little difficult to get it comfortable both on the hoods and on the drops - it is not quite a 180 degree bend, more like about 130 degrees.

If you have tried lots of other bikes and like the Cannondale best, you won't be disappointed with the quality or the stability when loaded.