In doing more research I have found that the max capacities are that much higher on bigger, more touring-specific bikes, such as the 2018 Goldwing is 420 pounds.
So two things are going to happen, Im going to finalize my purchase on the Tracer on Saturday, and Im going to lose some weight (still get an upgraded rear shock, Hello beautiful Ohlins) and gonna ditch the panniers and just do some short distance riding.