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. ...
Statically, the bag to caliper clearance may appear fine. However when you hit a bump the bag may tick the caliper causing premature pad wear. Tell tale signs may include an arc shaped scuff on the bag near the same location as the 'nib' on the caliper. Another sign would be the clearance between the bag and the red reflector on the inner fender. Clearance of a finger (pick your favorite finger
) should be the minimum. Shim the pad at the antler to frame joint with a disk cut from an inner tube, or other suitable material. I often recommend a piece of rubber truck bed liner mat.
Check for a crack in the top of the bag where it attaches to the antler too. No amount of shimming (or glue) will fix that.
Sticky caliper is another cause, check the bags first.
Rick