brilliant that you are out there. I gotta say it bike is all off balance.... stabilizer at slow speeds is a hindrance.
Lower plush suspended bike would be more safe and comfortable, especially at that speed, bike set up more front weight bias not less (balanced). weight on rear fender is fine if sag spring rate is good or else it is the biggest far from cg imbalancer as seen on many traveler bikes, and anyway it will always hinder handling less is more, for a simple day run. Money spent on parts is better spent on training, no matter what age you are. training=safety. bike set up right for the task, proper ergo body position sitting or standing. and all the rest will be more comfortable. Way to stay calm.