I (sadly) replaced an older Norco MTB i was using this past year for another 30 year old, chromoly MTB in a larger frame.

Moved all the racks, fenders, wheels, tires, and accessory mounts over to the new bike.

Axiom rear rack (apparently 110lb capacity, but there's no way to move that much weight safely), Arkel shopper bag panniers (up to 29 liters each), a generic backet attached to the rack with straps for easy removal.

Any more weight, and the trailer comes out 😂

It's not super easy to ride with that much weight in the back, and when I've got front panniers on, it does stabilize things quite a bit.

This larger frame handles better than the smaller Norco frame, so it's an overall improvement.