When loading luggage onto a motorcycle for touring, where should the heaviest cargo items be placed to maintain chassis balance?

1. Low and close to the motorcycle's center of gravity (e.g., in a tank bag or centered low in side panniers forward of the rear axle)
2. Stacked high on top of a rear top-box rack behind the rear axle
3. Strapped onto the front fender directly above the front tire
4. Hung from the left handlebar end with long ropes