If you worry about the fender rubbing, put a fender bib under pillion(not for suction seat), that's what I did. Have you considered sick saddles solo + pillion? It is so comfy, my gf loves it! I can leave it on all the time and it looks great.
http://128auto.com/cover/streetbob/bib_dyna01.jpg
http://128auto.com/cover/streetbob/sickseat03.JPG

Girl friend loves the butt buddy. Won't ride without it any more.

I was just about to ask about that 3m tape. I have heard about it somewhere before and forgot where to get it and what it cost. Seems like the best alternative for scratched fenders. Not a big fan of bibs and don't want a pillion on all the time either. Thanks for the 411 about the tape. Wonder if you can get that tape from lowes or home depot...

Or perhaps I can just use the bib when the seat is used like your saying 128auto. Just trying to reduce the amount of gear to install and uninstall after the rides.

I tried the bib and did not like the look and it did not help all that much do to width of the pad and the width of the seat. I spent about 35 bucks getting this clear cover fabbed and put on for me. I would find a place that does rock chip bras for cars give them a shout and have them do it for you. No bubbles no messing around and you can barley see it unless you point it out. here is a pic and it is installed here and was used a few times with the pass seat on it bet ya can't even see it.
http://i184.photobucket.com/albums/x...915_154935.jpg

Remember, when two objects contact each other, resistance and rub no exception. Even seat bumpers rub on fender. The reason I choose fender bib is because it always return to it's original shape, no rubbing whatsoever. It sits under the seat, require no mounting bolts.

Except for the fact that the seat (stock pass pad and bigger than stock pass pads) is wider than the bib and beyond the bib is where the most contact happens on the wg fender. So the bib is just more for looks IMO. The rubbing that occurs can be combatted with the clear 3m sheild. Its much more durable that the clear coat you can make it as big as needed and you just clean it/wax like the rest of your bike. Say a few years down the road its getting a little beat up from alot of 2 up riding pull it off and replace it. This sheild i am speaking of adhears to the fender and remains on till you take it off years later of ware its basically perminent so it remains its same size and such. So it does not slide at all its stuck to the fender.

Product definitely needs to be renamed and it is uglier than sin but my wife will now do 400 miles a day on the back of my Dyna with no complaints. Without it, she would start to complain after 50 miles.

It goes on and off easy and goes into the saddlebags as soon as we stop the bike.

For the price you can about get the wider passenger pillion from HD, and it doesn't look too bad either.

That's what i have wife likes it, and just take it off when solo.