Not sure which indys you're talking with? I'm from Nor Cal (as are many members on this forum) and I've never heard of a shop in Red Bluff or Redding that has a reputation for performance. Not saying there isn't one....just haven't heard of one over the decades that I lived up there. I do know that the OEM belts are known to be very reliable. I'm one of those guys that for years rode harder than anybody I know and I never broke a belt. No, it's not common. Ask those indys for references of people that they know have broken belts (and had their belt guards in place) and I think you'll get your answer.....they'll sell you anything so they can make a buck.
Jim (hd-dude that's posted in this forum) always has his shop full of CVOs.....he knows motors! Do yourself a big favor (and save yourself headaches down the road and take your bike down to Metal Dragon in San Leandro and drop it off.
There's a reason Jim's shop is always full of CVOs and other big motor bikes......and they're all running belts.