I kept my road sizing for my crosscheck so I have a 54cm frame. No heel strike with my panniers. The crosscheck fork lacks lowrider brazeons if that matters. I don't notice any stability issues compared to my road bike.

You should ride one before you decide if you can. You are welcome to try mine out though it is set up as one heavy winter commuter with racks/fenders. PM me if you are interested. I just got my road bike roadworthy so I can afford to lend it out.

Or you can test ride this one:

http://denver.craigslist.org/bik/314951389.html