Roadrat, great frame, super versatile, great commuter bike. but definately not designed to take bags as a touring bike.
Horizontal dropouts with a rack and mudguards is an absolute pain in the arse.
+1
And also with disc brakes and a qr. If you use a bolted axle you can't get a spanner fully roundn the bolt as the mudguard gets in the way.
how do you find it rides loaded up with panniers front and rear?
Did 3,500 km tour from beijing through central asia and some of the 'stans on mine. With any weight on the bike that lovely steel 'twang' turns into energy sapping flex. Riding up steep hills you can look down to see the bottom bracket physically swinging from side to side. There are NO pannier mounts on the front fork, meaning you have to use some sort of brake post mounted high rider or clamp on racks, which is frankly a bit of a bodge. I used clamp on racks and had problems with the fact that they didn't have a brace and would rotate leading to broken bolts.
If you're needing to carry heavy panniers more than a few times a year then get something else. If it's only an occasional thing then this frame is lovely.
I'm 6ft (hieght is all in my legs) and riding a medium long with 80mm stem