Over Loading??

[alexrunic]

Hi,
I was wondering what the opinion was on over loading a yacht and where the weight is placed?

I have a macwester rowan 22ft which is a heavily built long keeler and weighs about 2.5 tonnes. I have fitted a 120L (120 KG) flexible triangular water tank in the bowes as the only place it could go with out making her list. I currently have 10 meters of 8mm chain and 50 meters of 12mm Nylon anchor warp. I'm planing or up grading to 30 meters of 8mm chain (43 kg) + warp. I don't want to take any risks as do a fare amount of offshore sailing.

Do you think?

1) I'm already overload

2) I would be if I added the extra chain or I will be ok.

thanks

alex