should I save the additional cost and roll my own in terms of luggage.
What you are referring to is only good for the RT. The saddle bags on the F3T are very small. They actually hold less than the shad bags. I have an earlier version of the F3T (2016) and a 2016 F3 Limited. They both have the larger sprocket, which allows for the better acceleration. I also like the additional protection from the weather on the F3T and the stereo. If I was getting a newer model, I would get the F3S, so I could get the larger rear sprocket. I believe the F3 base has the smaller sprocket.What do you mean by that? Either way, the question is kind of vague? The answer would depend on how much you carry/pack? A full sized helmet essentially takes up the right side saddlebag. The frunk can hold quite a bit, but again, that depends on what and how you're packing. The left side saddlebag can't fit a full size(unless it is really small).
There is a decent amount of storage, but extra storage options using the top case (or something similar) is always a plus.
Can you put a gear bag like the momentum bag on the back of an F3 and secure it with Rok straps, or do you have to have a rack?
LTD IMHO. The rear case comes off in seconds, and you can put the flat cover on turning it back into the SAlso can replace the trunk with a number of things.
Here's my take. I have a 2019 F3S. I also have detachable Shad side bags, Lamonster Pack Rack-80L top case. Both come off easy, so at the end of my trips, I can convert to sporty in minutes. I also have the Madstad shield, with both a dark gray 14" (everyday sporty) and 20" light gray (touring). That said, the F3S does have the 89t rear pulley. That alone adds about 500 rpms to your high speed rev range. At 80mph, I average upper 20's mpg fully luggaged. The T/L models have 79t rear pulley and windshield/luggage installed. IF I were to do it again, I'd buy the base F3 model, assuming it still has the 79t rear pulley. Buy the cruise control module from Can-Am for about $275. Add the Shad luggage kit (both sides fit my L modular helmet). Get a Madstad shield kit. Sport mode? I seldom use it. Suspension? I upgraded from stock anyways. Power? No big deal. Add a Pedal Commander for better throttle response. Need more? Get a ECU flash/PV3. My .02
The best luggage system ever invented for any motorcycle, 2 or 3 wheels, is a sissy bar and a military duffel bag. Anything else is just for appearance, and probably won't hold as much luggage. Sometimes inconvenient, maybe, but the price is right, and you can use it as a backrest on long trips.