A touring bike is designed for (a) heavy loads, (b) reliability and (c) comfort over long distances. That's all. No, they're not "meant" for off-road use, but you can use them for that purpose because they're sturdy and reliable. Some bikes are designed for off-road touring using 26" wheel MTB geometry.
I started touring in 1976, on and off road. Mountain bikes didn't exist, triple cranks were handmade if you had one, indexed shifting didn't exist, wheels were 27" 5-speed. In those days tourers used friction downtube shifters and centerpull brakes. Nobody used barcons because they are not easily fixed (tulip, have you ever personally tried to fix a broken index barcon five miles from home?) I don't like sidepull brakes since they're easy to misalign, but I have to observe that most century riders use them. The new touring bikes scare the heck out of me, they all look incredibly unreliable, and the dizzying variety of brakes is marketing hype.
A couple of items for practical advice for short women - I'm 5'2" 110 lbs.
1) I gave up trying to use drop bars, because braking was too dangerous. I use upright bars with very short reach stem and small-hand levers. Amazing improvement. I also pick frames with the top-tube length less than 21" for the same reason, and use a stem with a 40mm reach. Any brake will work if you have good levers you can reach easily and they're set up properly.
2) Remember that you weigh 100 lbs and your bike plus load cannot weigh as much as you do. You simply won't be able to use many of the features of a loaded touring bike, because you're never going to lift the bike with 60 pounds of gear on it. The bikes are overdesigned for a 300 lb guy with 100 pounds of gear. When you think about this carefully, it says that any sport bike like the Symmetry will work just fine, because *you'll* never be able to carry that huge load even if your bike can.
3) Any bike that you're comfortable on, however seemingly inappropriate, will work just fine- the only modern piece of technology I'd add to my 1976 bike is a cellphone. -B aka Stronglight99



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