[Cobra Rider]

I'm thinking about picking up a set of the "leather" bags from a Cross Roads Classic to hang on my '14 XCT when the mood strikes. I know the bag guard rails on a XRC are different than on a XCT. The XRC rails wrap around the back. I think I could hang the XRC bags without messing with my XCT rails. Am I AFU?

You could most certainly mount the XRC bags on top of your XCT rails. It won't have the rear or front corner rail but will certainly work. It's trying to use the Soft Bag rails with the Hard bags that's problematic.
BTW, they are referred to as Soft and Hard bag rails. I seen many XR bikes with hard bags on them, they mount right up. But they don't have rails. Hard bag rails are hard to come by and if you're thinking about getting rid of them I'd like dibs. Once I get my paint job I'm gonna be thinking hard on protecting them, because custom paint ain't so easy to re-do with graphics.