Welcome to the forum. I'm in a flying club in MN that has an SR-20, and if I loaded all that crap, I would be able to take my wife, but probably not much luggage. But then again, an SR-20 won't make it over any serious mountains. But it's stll a real nice plane.

One thing that's occurred to me is that if I have to "land out", and I didnt' have to use the chute, I'd consider deploying it if I needed a supply of cord or tenting material, especially if the plane was totalled. Keep that in mind when packing survival gear.