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I am yellow and red but I only get about -2 AC from all this weight
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I haven't seen an "official" tabulation of the effects of increasing load; here are the results of some quick testing:
White -> Blue: -1 Initiative, -1 Attack Rating, -1 To Hit
Blue -> Green: -1 AC, -1 Initiative, -1 Attack Rating, -1 To Hit
Green -> Yellow: -1 AC, -2 Initiative, -2 Attack Rating, -2 To Hit
Yellow -> Red: -2 AC, -4 Initiative, -4 Attack Rating, -4 To Hit
So, at Yellow, you're operating at -2 AC, -4 Initiative, -4 Attack Rating, and -4 To Hit compared to White. Not good. At Red, all those penalties double.
Find somewhere to stash the stuff.