I'm with Twolanerider on this one. It's not a "maintenance item" and I suspect that this answer came from the dealership and not HD. If the local HD rep is saying this, then you need to write to the factory........and mention the rep by name and his response. Tell your dealership that you'd like to talk with him (the factory rep) directly, to get a "first hand response".
This may turn out to be one of those situations where you need to get the consumer protection dept. of your local TV station involved. I've been successful in taking that course of action, too.
I've owned lots of motorcycles and have put 100's of thousands of miles on bikes and have never had this problem.......and I ride hard. I've heard of the problem, but it's not a huge problem.....a lot of people don't experience it. 3,100 miles is far too pre mature to experience this kind of failure and I think that any court would stand behind that! You may have to pay for it then take HD to small claims court.