“Never had one. Would be open to trying one if there was a back up system (say a hook and loop) should the zipper fail.”
” I just felt uncomfortable with the light zips, not knowing if my belongings were strewn for miles behind me.”
“All current problems with front loaders (weak zippers, weight, h20 proofing int. compression systems) will be sorted out and there will be no reason to top load at all.”  Amen to that.
With most folks switching to top loaders, some of the design features of panel loaders may have been forgotten. Would not make a panel loader without upper and mid horizontal cinch straps across the front to deter zipper failure. (Lower portion of pack has no zips, so no strap needed)
The straps also serve to hang sox and such out to dry while hiking, and to secure a folded camp chair to the pack.
Many panel loaders on the market have nothing on top to support the inverted U-shaped zipper, making it difficult to open and close. But note from the photo posted earlier that it is easy to extend the frame to form a top shelf that supports the zippered panel, and also can be used to carry a food sack on top. The food sack is the one item that will vary the most in size depending on the length of the trip and distance between food caches. Attaching food and a few other items with criss-crossed shockcord up on the shelf make food odors much less likely to attach to the pack and the food can be quickly separated from the pack if dangerous critters are about. And variations in food volume don’t require squeezing stuff into the pack or having to get a larger pack.
The kit can be reduced to a few cylindrical stuff bags (bag or quilt, clothing, stove with kitchen items, and tent) that are designed to fit the pack and stack horizontally, below a compartmented zip bag that hangs inside under the shelf and is designed to hold small items where they can be accessed quickly. It is no more difficult to use a trash bag liner with a panel loader. Raingear goes in a zip pocket inside the panel where it can be grabbed quickly, A lower zip pocket inside the panel is for flat items like maps and notebooks.
So with organization there is none of the stuffing and expansion pressure created by a toploader. But if there is still a concern, there are larger waterproof zippers that will not burst open. So there is no reason to carry what is basically a dry bag with trimmings on your back. A dry bag is good for trips on water, though, and the pack goes into one behind me in the kayak.