Thank you all for your replies.
I am still not sure on how to interpret the label under the seat. Anyone out there?
Most of my riding is going to be highway, country roads, gravel and trails. Nothing to technical or crazy.
If I was to send the forks and or shock to get them set by a pro, I would still have the same problem. What would the settings be for only the rider (I guess this would be set by the pro) and the setting when loaded with luggage.
I would like to give the stock suspension a try, play with the settings described on the label, and then decide.