Fully loaded? That's stripped for racing!
I have a tent, quilt and mat in the saddle bag, a pair of shoes underneath it and clothes in the handlebar bag. Carbon tent pole strapped to the underside of the top tube. Clothes in the handlebar bag and tools/spares in the small top tube wedge. Odds and ends in the fork bag. All bags made by me to fit this bike.
Never done any racing, but like to travel light. More bag space just means carrying more, but also understand that people like to carry more.