A lot of times I ride fully loaded with side cases, top case and wife. All this with the OEM front shocks and rear spring with full preload. I know we're a bit over the weight limit, but have never encountered problems. Most important thing is to know how the bike feels and then act accordingly. This applies to breaking distance, cornering, etc.
Also, I fixed a kickstand shoe and this decreased the angle of the bike when on the side stand. Also, my wife gets on the bike after I do. To mount, she stands on the passenger footrest and swings her leg around and gets past the top box without much effort.