Has anyone seen a set covers or panels that would go inplace of saddlebags when removed hide shocks  

Yo bluebiker...There's a little advertisement in the back of a recent issue (February if memory serves) for a website.  Go Bagless!  www.QuickSkirts.com.  Hope it works for you.  

Yup, I thought I should see if I was right or if it was the Alzheimer's talking.  That's the place all right.  There's a couple of different choices.  If you get some, send a pic!