At least when one of you early adopters -- don't get sensitive on me; just teasing; I like the V100

-- has an oopsie and damages a pannier, you can buy one.
Pity the poor V85 owner who, e.g., to replace a damaged OEM side case, has to buy
the set of two panniers and top case for c.$3K USD.
On the (relatively) bright side -- as my example was not hypothetical

-- I found a fellow (or, more accurately, he found me when I mentioned my plight) who did not want the OEM and sold me all three for half the OEM cost. Not cheap, but certainly better ... and I now have spares for the other side and top case!
Bill