If you put too much weight on a bike that wasn't designed for it, the bike can have handling problems. And you don't want too much weight rearward of the rear axle - that too can cause handling issues. A bike with short chainstays generally shouldn't carry full sized loaded panniers because of that.
If you are planning on carrying a load, look for bikes in the "gravel adventure" category not the "gravel race" category. Or consider a traditional touring bike.
Last edited by tyrion; 05-02-21 at 05:39 PM.