I have the Tourmaster Cortech Sport Saddlebags, Oxford Tailbag, and Joe Rocket Tankbag. I also have Tourmaster Saddlebags and Tank bag for the Harley.
So far they work pretty well. I don't like the rain covers and simply plastic bag everything when packing. The stuff in the saddlebags and tailbag aren't generally needed during a ride anyway. I have a clear cover for the tankbag though.
I don't like the Oxford much. After a year of use, the disconnect zipper has failed and the hard interior plastic has warped. There is a lot of room and it seems to be well made other than that but for $100 I expected it to be more sturdy.
With the saddle bags mounted, the rain covers don't really cover the bags well and I ripped the seam on one of them trying to make sure they were secure. They're very flimsy feeling and I would have rather had a waterproof bag liner than a cover.
The bags are pretty tight but I've put some shelf paper under the bags since if a stone got lodged in there, it'd put some deep gouges into the body work.
I have 3,000 miles on them with no damage on my paint. Unfortunately my wife had them on her bike for a 4,000 mile trip and they marred up the paint on her Aprilia.
I think that if they're used the right way, you could probably use any saddlebags. Don't depend on the bags to protect your gear and paint. That's something only you can do right.
Carl