tempus Why is the stacking on top bad for this type of mount?
Because of the load on your declination bearing?
Notice that ZWO copied the RST-135 design, which on purpose, has a very, very short declination axis (see that 36mm number?):
It defeats the purpose if you then hang payloads far away from the RA axis. RainbowAstro's parent company is RainbowRobotics, and they have been building robot arms forever. They know their mechanical enginnering.
Does it have more of a negative effect than with a worm drive mount?
Because a traditional German mount has a counterweight?
In that case, the total payload is what matters. Without a counterweight, the moment arm matters.
Take a dumbbell. Remove the weights on one side. Now try to lift the rest with your hand near the remaining weight while keeping the shaft horizontal. Then try to lift it from the empty end of the shaft. With enough weight, your wrist breaks -- same as the declination axis. If you place the removed weight back in, and try to lift the dumbbell from the center (balanced), all is good again, but it is now the total weight that will break your wrist.
Chen