I agree. I like my soft panniers and my duffle bag to be mounted forward of the rear axle. I keep the heavy stuff low in the panniers as well. I put my tent, sleeping mat and clothes in the duffle bag. Another issue is making sure you adjust your suspension settings to suit your load. Too much weight at the rear of an undersprung bike can be very detrimental to stability. I went on a trip with a mate of mine and he had heavy stuff in his duffle bag. He then placed the bag on the rack of his KLR650. At our first stop he complained about how unstable his bike was. We helped him move heavy items to his panniers and moved the duffle bag to the pillion seat and his stability improved considerably. Obviously a standard KLR is pretty softly sprung, so that didn’t help either.