See Tex, you are the exact HD owner I can appreciate and have love for. The guy who gets what they are for, cruising, eating miles, and the practicality of enormous storage space on the Ultras with all the comfort bells and whistles. They do, in all honestly, fill a niche role and they do it really well, but they could do it so much better if they would embrace water cooling, over head cams, and a few changes in the bottom end of the motors.
At 100 miles a day commute I don't think I'd take the rocket either, I'd almost certainly pick up a Trophy 1300, Goldwing, or BMW K1300S.