>>It has threaded eyelets for fenders and a rear rack. Does that mean it will accomodate rear saddle bags (panniers?i think?) as well>>
Generally, if the bike can accept a standard rear rack then it can also carry panniers. One possible issue concerns heel clearance while pedaling. Touring bikes have a long wheelbase to provide plenty of clearance.
>>Without rack eyelets on the fork (carbon), will it be impossible, or just unwise to put gear on the front of the bike>>
Fork mounts aren't always a requirement, some front racks can be clamped onto the fork. I'm not sure that I would be comfortable with hanging bags from a carbon fork. Steel might be a better material.
>>Will 25 pounds of stuff in the back, throw everything (balance, steering)out of whack>>
Maybe, maybe not. You'd have to try it. In addition to potential handling problems, too much weight over the rear end could bring about wheel trouble...broken spokes, rim failure...this is all in theory, of course. Such a setup might work very well for you.
A trailer is another option, especially for bikes that weren't designed to carry a full load on the frame.