Finally...
"Upgraded" seat for 2010 no better than the original. Still about a 3/4-1" gap. I swapped out for a stock 2009 Ultra seat, but waaaaay to big. Killed the clean line of the bike, so back to the original, which I really like. Spoke w/HD and nothing more they would do. Dealer wouldn't do the bumper fix under warranty since I installed the bag guards. Can't press to much since I use a local dealer after buying the bike 250 miles from home. However, they gave me a set of the bumpers. I notched the bumpers to allow the bag guard to fit over, and the gap is gone. Rode about 200 miles this past Sunday and still no gap. To play it safe I cut a piece of heavy leather to fit under the front of the seat and slid up about 1/2 under the console. Velcro strip secures to the console mount to hold in place. Even if a small gap should reappear over time, it won't be noticeable.
Shouldn't have to go through this with these bikes, but kinda satisfying when you solve the problem.