Thanks for the replies, all. Yeah, I`m going to load them up fairly heavy and take a spin without the handlebar bag and see how it goes. If it still wants to flop, I`ll know something is wrong with the rack/panniers and do what I need to to get the weight back more. If it rides OK with heavy panniers and no bag, I`ll just have to fill the bar bag with balloons or something to keep myself from weighing it down so much. Or switch to my little barbag, but it has a hard liner that makes stuff rattle a lot.