I have a 1998 Heritage too, unless the backrest has been converted to a quick connect/disconnect it is a little more time consuming to get it on and off as, you have to remove the fender bolts on both sides.
Same here. I call the that dealio thingie "The Thong". Bike looks way better that way.That's how I roll. I'm usually solo with a cool leather dealio that goes over the back fender and screws in where the passenger seat would. Backrest and luggage rack are quick connect/disconnect. Sorry no pictures now. Bike is sleeping.