My go to bike these days has that geometry. I love it. It is not a 'cargo' bike but I carry a lot on it with a rack & panniers plus the flat area above the rack. The rack is rated for 25kg and that is plenty for my needs. The wheel base is extra-long for a regular bike giving it a nice stable ride. The mid-step is so comfy and it has an 11-47 cassette for climbs. Now it has full fenders which are very useful this time of year.
Some fitters say that as a rule of thumb, after you set saddle height, it should be back at at point where, when a pedal is straight forward, a plumb line through the spindle will be even with the end of your knee. From there, an inch or two forward or back can make a big difference.
I had to alter my Radmission radically. The layback I bought didn't get the seat back nearly far enough, so I heated and bent it. To support it, I cut a triangle of plywood, drilling a hole at the top for the seat post and notching it at the bottom for the rack rails. In use, the layback held it in place. I had to use two risers to bring the bars up and out enough for a stable, comfortable ride.
Usually, stuff would fit in the crate or the panniers. The exception was a big box containing a pedestal fan. Strapping it to the rack was a hassle.
For economy, Raleigh developed a design where one size could fit all, about 1900. From the bottom bracket, the seat tube would go back about 30 degrees from vertical. For every inch you raised the seat for a longer inseam, you'd move it back half an inch for a longer femur and longer arms. That got you in the ball park for comfort and efficient muscle use.
The 28-inch Roadster was for men. Later, Raleigh came out with the 26-inch Sport, for women, for people who might have to roll bikes up and down stairs, and to be less expensive. Until 1930, bikes in England were for adults. That year, Raleigh produced a color documentary. A white-collar man who rode to work on a Roadster, bought his 10-year-old daughter a Sport. After a couple of days of learning to ride, he took her on a ride to a town a hundred miles away, over hills so high that there were scenic lookouts at the top. It was feasible to me. With a good seating position, quads and calves do almost all the work, as in walking or climbing stairs. Those muscles have a lot of stamina.
When she was interviewed in her 90s, her tone showed that the outing had been as pleasant as depicted. She said on long hills, her father would pedal alongside and ask how she was doing. She'd say she was fine. The corker was something she added: the next day, they pedaled home. If they'd been at all tired and sore, the film crew would have given them a ride back.
In first grade, I began riding my sister's 26 inch Raleigh several miles a day. I was still riding a 26 inch Raleigh 10 to 50 miles a day when I graduated from high school. One size could fit all.
About that time, Americans were buying 10-speeds and bending down over low bars to reduce wind resistance. That didn't work very well with a seat so far back. I guess that influenced the style of the Radmission, so it was a 1-speed utility bike with the disadvantages of a 10-speed "road bike."