On my 81 the sticker states the GVWR is 935 total, the front is 365, the rear is 615.
If you load the bike to the max at either end you need to leave the other end light so you don't exceed the total.
In the books it states the dry weight is 463 lbs. With a full tank and crank case adds about 3 to 4 lbs lbs. So call it 467, round it off to 470. that leaves you around 393 lbs of load, Subtract your weight from that leaves the passenger and any thing else you carry.
Me, I weigh about 200 lbs as dressed to ride, that leaves 193 lbs for extra, A 150 lbs passenger leaves about 43 lbs of stuff.
Not much more than a change of clothes for each.
That's just stuffing the stuff in a small duffle bag and tieing it on.
If you add things like a rear backrest and luggage rack you need to subtract that weight too, saddle bags, soft or hard, tank bag they weigh up to.
Do the math.
By todays standards the xs650 can't carry much. But as long as you stay within the bikes capacity you will be fine.
Leo