I have very different experiences between commuting or everyday riding, and 
touring.

I commuted, and continue to ride, with relatively high loads - an Acorn HB 
bag & a Carradice Barley.  Neither have ever affected bike handling. But 
when I used a Nelson LF and put my Macbook in it I could feel the effect of 
the weight on the bike  handling.  I switched to a bike commuter pannier 
when I needed to carry it, and found I was happier.

On the other hand, my wife and I are just back from 5 days of cyclotouring 
in Quebec on our tandem:

http://gallery.me.com/mhechmer#100098

We carried 35 lbs of gear distributed among low riding rear and front 
panniers, and the Acorn bag sitting low over the 26" wheel.  I could not 
perceive any difference in the bike handling between this set up and our 
usual unloaded pleasure rides.

To be sure, just one data point, but it certainly suggest that there is 
probably some point at which lowering the center of gravity becomes 
important.  The big advantage of higher loads, for me, is not convenience, 
but rather having everything above the fenders.  Call me a cleanliness 
freak, but I've ridden across too many rain soaked dirt roads to be 
enthralled with panniers on a day to day basis.
michael


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