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yeah, I will have pannier rack and a crate or something on the back to balance loads, but also looking at this as an excuse to try out a front disc brake, for more stopping power... if I can just find some cheap 26" IS mount ones with a long 1" steerer (PM if anyone has anything going).
Current plan is actually to butcher a second bike and weld its head tube upside down to the bottom of current frame's head tube. This should allow the TT and DT of the butchered bike (light green) to support the rest of the rack really solidly, along with some other supports which will run from the DT shifter bosses (light blue). The cargo area will not extend quite as far forward ending at the yellow, which should also help to balance things.
So if I have a smaller wheel (reduced trail) but a straight fork (increased trail) then it should be ok? Just basing it on Wikipedia's explanations of rake/trail... Ideally I would like to have a seat-shaped front rack cargo area that extends beyond the wheel. It seemed to make sense in my head, but maybe I have not thought it through? This is a mockup (the smaller 24" wheel is just the black circle with the centre at the end of the straight "fork" end that is drawn in as a black line). The fuchsia area is where the cargo area would be (obviously have to be well attached/distributed to the frame):