Funny story: Like Groundhog day, I actually *did* get a chance (AKA have to) do it over again.
In early December, a van hit me and totaled the bike. No one was hurt, his insurance accepted fault and paid me, *and*, I was able to buy the same model year and color (2009 FZ6 black), on Craigslist.
So, I ended up close to where I was at the start of this thread. Except this time, I had a Coocase S48 (it was at home during the crash). I considered keeping the Coocase and remounting it with the SW-Motech rack and adapter plate. But, I was bitter because the price had gone up $50 on the SW-Motech, and by some other amount for the adapter plate. Also, I could have kept the adapter plate, but I was too disgusted with the crash and with the all the wingnut fasteners to take it off the old bike before it got taken to the scrapyard -- and then later, I found out how much the adapter plate now costs.
Anyway, the second time around, I went the "pay more / less hassle" route: GIVI top rack (monokey) - $150 , GIVI E52 Maxia Topcase - $296, AdMore lighting LED Kit $129. Then, I paid a shop (one that I found this past fall and I actually like) to install it for me -- $230. So, that's around $800 total. More expensive, but the hassle was minimized, and I like the topcase/rack/lighting better than the previous setup.