When I rode bikes on the road it amazed me how bikers when preparing for a trip would load stuff on the luggage rack, behind the seat - and therefore behind the back wheel - almost piling stuff up to the sky but nothing in a petrol tank-top bag to distribute weight forward. Made handling interesting, though I've recently seen bikers with tank panniers / saddle bags.
But back on topic, recently saw a Youtube video where the guy showed when folding the rear seats if you raise the headrests, the seat backs fold a bit lower almost, but not not quite, creating a more flat loading area which isn't really present in a Golf....