@ascentale @ai6yr @bikenite A5.
Few notes based on my experiences...
How many bags, where, depends on the type of trip: duration, climate, accommodation & eating plans, etc.
The other really big influence is: How long will I be on the bike every day? If it's all day, I need a lot less than museum visit touring (i might need to smell less too!).
Picture is my set up for this summer's month long trip from Nice (France) back to the UK over the Alps.
I tried to balance the weight front and back for off-road & keep it as light as I could. The route had *a lot* of climbing. As you can see I like some bag zoning!
Tent in front fork bag 1. Waterproofs in fork bag 2. Luxury sleeping roll on the rack. Food in the bar bag. Tools in the frame bag. Everything else in the small panniers.
This was heavy, but still just about viable for the hike-a-bike bits. A bit iffy on some of the more challenging descents, but it all felt very secure.