Loaded her up to see how it felt. Then went to the garden and added a lot of weight. 

It was amazing how easy it was to put the rack and cages on. Both just went on with no modifications. However this is not the best setup for this bike. I need to get more weight in the front and less in the rear. I also really don't like the anything cages. So I need to get a low rider rak for the front and use panniers, and then maybe get by without the rear panniers. More likely go with all 4.