Computers do NOT make the stowage layout. The stowage layout is the responsibility of stowage planners. The captain of the ship has final say. There are various computer programs that assist with the stowage layout. However, they are _not_ sufficient. If you'd take out the stowage planner the shipping company would have a lot of additional costs. These programs do help to check for loads of problems, plus the initial inefficient stowage plan.
How tall something is stacked is too simplistic. What matters is that it isn't stacked as a box. Further, certain twist locks cannot handle too much wind.
Source: used to sit next to a stowage planner, who'd be in the office around 1x/month. The planner mostly talked during these visits.
