Finished.......
The problem with OEM finishes today is the Volatile Organic Compounds, VOC emissions from the painting process and your friendly EPA or whatever it is in the United Kingdom.
Modern production finishes are soft, even the clear coat is soft, consequently, a tank bag, or your pant leg, anything that is in contact with the paint that will rub it, causes scratches. The scratches don't come from your pant leg or your tank bag however. They come from the road dust and grit that causes your face to feel dirty after a ride (it's blowing around in the air ((gets in your air filter too)). The grit gets between anything in contact with the paint and 'rubs' the finish causing scratches. Personally, I prefer to keep any and all items from contacting any paintwork or chrome and 'rubbing' the finish. Airborne grit is very abrasive.