The dealer delivered my bike with virtually NO preload on the forks. There were 6 full rings showing above the top. The front got extremely wobbly with or without the luggage at anything over 80 mph. By 100 it would head-shake very badly.
Fork compression / preload: I put in a bit more than 50% compression so there are now 3 rings showing.
Fork rebound: I also went to the middle; the adjuster says "TEN", so I tightened it completely (I counted 12 clicks but it's hard to tell) and then backed out 4.
Rear compression / preload: on 5 of six steps. It's great when the luggage is on; a bit too hard for without, but it's too hard to adjust to fool with it day to day.
Yesterday I was out in the Everglades on deserted roads and the handling was infinitely better. Truly a case of "night and day;" no matter how fast I went the bike felt planted and stable. The conditions were ideal; flat pavement and no wind, but even in the ramps etc. on the way home it was much, much better.
One tip: use a 6-sided socket on the fork preload adjustment, not a 16-point. Lay a small piece of blue tape over the top of the adjuster first, then slide the socket over. This will avoid damaging the adjusters, which are very soft. Also put a layer of blue tape on your flat-head screwdriver before adjusting the rebound for the same reason.