I know some individuals especially in the road forum will argue over a 10 or 20 mm difference in stem length but I guess I'm not that observant because I've used everything from an 80-120 mm stem depending on the top tube length and never really noticed a huge difference or one that I couldn't adapt to quite quickly. I feel if we're talking about loaded touring, the amount of weight in the front panniers seems to have a much greater impact on steering than an extra 10 or 20 mm stem length. These are just my observations and you may feel differently.