I ride a 1999 Heritage, and I am 5'8". If you lower the bike, you will severly limit your ability to turn this bike. Now lots of practice, or really good riding skills, and that won't be too much of an issue. I can make the same corner, at the same speed, and one time I will drag my floorboards send out a spark show for all to see, and the next time I wont. The difference is how I set up for the turn, and how I distribute my weight. You can replace the stock seat with a lower profile seat as I did, I added removeable brackets for my saddle bags. I can go from Heritage for FatBoy in about 10 minutes with only a few common tools. Two bolts for the windscreen, and two for the saddlebags. If you ride enough, you will miss not having bags available. I may (edited) about my "bagger", but when my friends need the "extra" stuff I carry along with me they stop talking! Good luck and pick the one that talks to you, and the one that feels right. You can add or remove almost anything!