commuting and touring on a Lightning Phantom

Does anybody use a Lightning Phantom as a commuting or loaded touring
bike? How do you have it set up? Is it very stable with a heavy load?

I was asking my local recumbent shop about getting an HP Velotechnik
Streetmachine since it has a much more adjustable seat than my current
bike(Actionbent Jetstream). He recommended that I try a Lightning
Phantom first since he keeps them in stock and they are more
affordable.

I like that the Streetmachine was designed for commuting and touring.
You see a lot of pictures of fully loaded bikes online. I took a 10
mile test ride, and it was very comfortable. I didn't have any of the
discomfort I get on my current bike after only 2 or 3 miles.

I am concerned that I don't see any pictures of a Lightning Phantom
with a rack and panniers online. Maybe everybody who tours with them
is too busy to take pictures. Lightning says you can put a rear rack
on, but it looks like it would be very far back because of the seat
struts.

Any ideas?

Thank you,
Jeff
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