weight bias front-to-rear change
aerodynamics change
Well yes, if coupled with loose neck bearings. But please keep in mind that there are many of us running around on the same model, same year...don't have loose neck bearings and have rode with our bikes loaded (including king tour pack), unloaded, etc. and don't have this problem. While others, that don't have a tour pack or leg fairings (or do have them), etc. etc. have also experienced it. I think it has to be in an adjustment.....something that's different from one bike to another.
The common denominator is that when these guys that have the problem finally find a dealership that knows how to check it and adjust it correctly, that the problem goes away.