Does your bike have a passenger seat with a luggage rack? That makes a big difference. I have a very large bike, so it is an unfair comparison, but I can carry a ton of stuff and fairly neatly. There are many grisly stories of Death By Bungee - wherein luggage shifted enroute and jammed up the rear wheel. I pack very carefully and check and re-check my loads before, during and after, and in the 15 days of touring I've done, I've had several eye-opening luggage shifts. I've got a pretty tight ship on the Strat now, but it took me some trial and error to eliminate potentially fatal weak points. Here's a picture to give you some ideas. Note: My tent and chair (!) (yeah, I know... look, some campsites don't have chairs!) are secured underneath my luggage rack.
In the photo:
1) T-bag on luggage rack: sleeping bag, sleeping mat, clothing, maps, toiletries, etc.
2) Right saddlebag: Tools. fix it kits, saw, axe, gloves, stove, etc.
3) Left saddlebag: riding layers, rain jacket, sandals, tour book, winter gloves
4) Under rack: chair, tent.
5) Mini duffle (top of t-bag): put my camel back/backpack in this when I didn't want it on my back. Could wear on my back as well and stow duffel
6) REI cooler: Figure a cooler ain't worth it if you can't throw a bag of ice in it. This one you can throw a bag of ice in. On seat.
