I just bought a used road bike and my knees are nearly straight when the crank is down, but when I tuck my forward to avoid the wind my knees cross my elbows by about 2 inches. I carry a lot of weight all of the time and have front and rear panniers and a back pack on (I can always fix my bike while on a ride, or play frisbee etc.). Should I buy a new bike, get some handle bars that are an inch forward somehow, or is this the way it is supposed to be.

Thanks for any help