Skid on your head..wow.

No way, I could ever want to carry a 3-gallon water jug in a backpack while cycling. I dislike much weight beyond regular minimal purse items on my back/side.

Yea, I couldn't break a bike frame. But sure, feels the frame, most likely it's just the back weight swinging slightly.

My partner has bent some wheel spokes. Most recently there was a long crack right by the area where the bike folds on his Dahon folding bike. He has done several different multiple wk. long bike touring trips that were self-loaded on that folding bike several in Europe. A flaw in that particular bike, but most likely it was exacerbated by weight of him (160 lbs.) + his 4 panniers. Right now, he's negotiating the warranty on that bike....

I am intrigued that some cyclists don't like hauling around any pannier weight...each to his/her own. But it does make you a different type of stronger cyclist especially doing hills, etc. on a regular basis.