I've got a fork/handlebar mounted rack. It does affect your steering when you have a heavy load. However, it only makes it more reactive, it turns further and faster than without the rack. if you can get used to this then it is fine. I think frame mounted racks on the whole would be better, and also could be stronger. But if you only want it to carry your bag and a lock or two, fork mounted will be fine
I've got a fork/handlebar mounted rack. It does affect your steering when you have a heavy load. However, it only makes it more reactive, it turns further and faster than without the rack. if you can get used to this then it is fine. I think frame mounted racks on the whole would be better, and also could be stronger. But if you only want it to carry your bag and a lock or two, fork mounted will be fine
(doesn't really answer your question haha)