>I'm wondering now if stays are more important in helping to keep a pack shaped to the curved human back than in transferring the load to the hips, since a packed pack tends to pull straight, even if the pack's sewing pattern, like that of the Jam2, contributes to a more ergonomic fit…
I think you also need to read this:
http://www.aarnpacks.com/features/multifunction.html#fs
NATURAL SHAPING
Ergonomics Applied
Making all body contact parts a mirror image of your size and shape.
FORM FITTING FRAMES
Why have a frame?
The frame holds the blueprint of your back shape. Our frames are easy to remove and custom bend to match your shape, creating the blueprint. The frame’s job is to maintain this shape when the pack is loaded and to bring the load as close to your back as possible.
Why other packs are a backache waiting to happen
Frameless packs, and the most common internal frame system, twin vertical stays, give the worst possible shape for back comfort. When these packs are stuffed tightly, the backpanel rounds out to a convex shape horizontally (A)—the opposite shape to your back. The side profile is increased so that the load is positioned further from your back, and the load is concentrated down the spine. The the pull back pressure on the shoulders is increased resulting in a greater forward lean and increased back strain! The addition of a plastic framesheet is an improvement as it keeps the backpanel flat horizontally (B), bringing the load closer to the back.
Why our packs are backsavers
We take pack design further with the concave backpanel (C)—a custom mouldable shape- that brings the load closest to your back. The vertical divider further narrows the profile (D). The result is the most upright posture and the least back strain. Even with Balance Pockets, it remains important to keep the load close to your back, because the smaller volume in the front Balance Pockets cannot fully counterbalance a pack that hangs far from your back.

If you look at Roger's external frame (in DIY pack article) it is designed to transfer load to the back by having two important features 1>high center of gravity 2> rgid concave frame.
On the other hand Aarn packs transfer load to the back AND hipbelt.