I have not loaded it to your level. I'm typically riding with a binder or notebook and then my electronics array - probably 5 or 6 pounds at most. I'm only noticing a steering difference at very low speeds, but nothing that I couldn't get used to. There will come a time soon, when I'll have to stress it - but I'm not there yet.

I'm taking the swift on vacation next week and plan to use it with the Nashbar Grocery Getter pannier for critical 'supply' runs. I'm sure I'll be overloading it then. I will report.