This bike is an 03 but only had 18,xxx miles on it when I got it. 27k plus now, but it's not terribly old or lotsa miles. I will go check to see if the bag could drag on it. I only had raingear and heated gear in it, I doubt it had more than 5 lbs in it.
A friend told me these had cast rotors (not SS) and EBC HH pads don't play well with them. But he rides a Moto Guzzi, so what does he know? Obviously not the sharpest tool in the shed, eh?
I would think that if the bag was rubbing on the rotor, the bag is stable and the rotor moves up and down with the swingarm, so I would see a groove or scratch worn in the bag. Checking now ...
Ok, there are a couple small notches in the bag. I can't force the bag down with my hand to interfere, but the notches/scratches are there so... Hmmm.