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@danb
I would say anything over 15kg - get a trailer
Otherwise if its for a journey of <1hr I would go with courier bag - I cant stand the lack of visibility and discomfort of cycling with a big rucksack - proper rucksacks are designed to support 80% of your weight on your hips rather than your shoulders and consequently dont work very well when in a cycling position (bent too far forward). Thus I find having weight high up on my shoulder blades much more comfortable.
Anything over 1hr I would go with (big - ie carradice) saddle bag followed by panniers for lighter bulkier items.
You want to keep the weight as close to the center of the bike when using bike mounted luggage, as it affects the handling a lot less - this is why I prefer big saddle bags as you can get loads of heavy stuff in between the wheels - rather than centered on them.
Fully loaded tourer wobble is SCARY when carrying big loads - the big starts to pendulum back and forth and the more you fight it the worse it gets.