I haven't gotten on a road bike that I didn't have toe overlap on.

What can I say, I'm short and I like fast twitchy bikes (steep headtube angles which exacerbates the problem)

That said I've only once had an issue with it (missed a turn, tried to do a greater than 90* very sharp turn to compensate, was a bit panicked and focused everywhere but my riding, whacked my foot). Stayed upright and completed the turn.

99.9% of the time I simply don't notice since you just don't typically make turns that sharp or slow on a road bike (ie: you don't rely on front wheel steering that much). This includes commuting on bike paths (ie: dodging idiots that want to play frogger with you....), weaving through campus sidewalks durning class change (ie: trying to swim upstream in a monsoon...), club rides (ie: hanging on for dear life while the Cat 1&2's hand you your arse whilest chatting normally and talking about what a great "recovery" ride this is...), etc.

I will say I haven't attempted loaded touring. But I'll echo what others have said in that you do get used to it and subconsciously adjust your pedal position in turns, etc.

I'll disagree a bit with Luna on this one in that it DOES seem a pretty common issue in stock frames. Especially true in the smaller sizes, but a search of roadbikereview will find lots of posts on the issue from average to tall guys on average to tall bikes. Seems that as we demand faster, twitchier, racier bikes there's just no where else to put the front wheel anymore! Could (and probably should) be less common on touring specific bikes that don't have racey geometry, not my field of expertise though.