In preparation for my first tour to France, I put on my 4 panniers and bar bag. I filled them full of assorted tins from the kitchen cupboard to approximately the weight of all my gear - about 20kg. I could hardly move the bike but once I got started it was fairly straightforward and the handling was not as difficult as I had anticipated. I tackled a few steep hills and was surprised that I didn't have to dismount. On the flat it felt very confortable and with a following breeze it was great. My regular loop takes about 1 hour 15 minutes and fully loaded I did it in about 1 hour 20. I can't wait to get going now but I suppose I should put the beans back where they belong and get the touring gear sorted out. I'll be using Bigtallfatbloke's list to keep me right.