There is no rule saying the bib must stay on all the time.You can change your look in a couple minutes with some painted or plated screws.I very carefully took the liner off with just a little bit of heat.I keep it on a small piece of glass and put it back on when I ride two up.A friend of mine lines his passenger seat with chamois.Has a 2002 Fatboy and doesnt have the first mark or wear on the fender.