Hans, all your other points can be argued...
I wasn't responding for the sake of arguement. I was responding to paddleboy17's comment, "I am dying to hear what happens when a pannier laden touring bike does a panic stop with disk brakes. I keep thinking spokes should shear..."
I have been riding a touring bike with disc brakes for five years now, front and rear racks, sometimes with a BoB trailer, and have never had any problems with them on descents, paved or unpaved. That was my point, based on my experience.