I've got a problem with this too, which I just discovered.
My wife rode with me for first time, with full luggage. I dialed in full preload, (24 clicks), but still had a problem getting the side stand to deploy without having to tilt bike dangerously to the right. This seems way wrong.
In addition, we're older. She's not tall and a bit heavy. She can't swing a leg over the topcase with me on the bike, so we tried her getting on the bike first without me on it, then scooting to the back seat and I then awkwardly push my foot over the seat and get on. We used to sometimes use this method on my FJR and it worked well. Very stable. HOWEVER, on the Tracer the stability of the bike is extremely precarious when on the side stand IMO. And, in fact, the Tracer fell over at a gas stop with her on it !!! I was getting off. She was balancing on the rear seat. Somehow weight shifted a bit while I was getting off and pulling my foot across the seat. And the Tracer did something I don't think any bike I've had in decades could have done... it "over-topped" the side stand and fell over on the side stand side of the bike.
Obviously, my wife freaked out, as did I. For the rest of our trip, our friends helped us stabilize the Tracer each time my wife got on and off.
Anyone else experienced this problem?