We have both in our family. I ride the VV and my wife the XCT. I enjoy both bikes but PREFER my Vision. I rode both bikes back the 1400 miles from where I bought them (PLUG FOR Bairs Inc
, Canton Ohio - BILL, YOU ARE AWESOME!) to Colorado. I thoroughly enjoyed both trips.
My Vision is a Ness so I don't have the heated stuff. That was ok cause I really never had it before so I really didn't know what I was missing. The bike was extremely comfortable out of the box.
My wife's XCT was also very comfy. My only gripe for that trip (again, right out of the box) was that I'm tall at almost 6'3". I had no way to stretch out my legs with the XCT's lowers. Highway pegs would be mandatory if this was mine but my wife is quite happy without them at 5'4". What made more than up for it was the heated grips and seat. Again, I only compare this because my Ness Vision doesn't have them where other Visions do.
The Vision rocked when comparing the two on wind protection. The XCT allowed for more "adjustment" of the wind to where you can almost set it up as if you didn't have the fairings. The Vision needs the lower accessory deflectors to allow for complete wind management.
In rain, the Vision wins hands down. The XCT has an anoying characteristic of the rain running along the top of the lowers then just keeping your lower half wet.
The XCT windshield is HUGE from the factory. I hate looking through it all the time. The Vision and it's adjustablility is priceless in my book.
Believe this or not....the Vision SUCKS on baggage space. The XCT will blow your mind. Without knowing the numbers off the top of my head, the two saddle bags of the XCT hold more than all the bags on the Vision combined. The XCT bags are very functional when loading to max (or beyond). The Vision, not so much.
What I mean by that is if you have liner bags for both, you can stuff the XCT bag before putting it in the bike. Go to the bike and that bag will go into the bike with no problem. The Vision's saddle bag is bigger inside than the opening (which still isn't very good). If you stuff your liner bag before getting it to the bike you'll have a helluva time getting it into the bike. Not to mention removing them. Just pull on the XCT bag and you are off to the room. No so on the Vision. If you filled the bag AFTER you put it into the bike, you ain't pulling the bag out of the bike.
The VV has integrated brakes, not so on the XCT
The VV has hydraulic clutch, not so on the XCT (but you can add it - which I did)
The radio on the basic XCT rocks!! Beats the pants off of the Vision - even the Ness with the Kickers all around. This is so comparably different I swore there was something wrong with my Ness's until I compared my bike with another Vision. Nope, they just plain suck in sound quality compared to the XCT.
I much prefer the radio/electronic display and button setup on the Vision. All controls for the XCT are on the handle bar where the Vision has way more options and such on the center dash.
Same tires and rims (again, except for the Ness rims). Same maintenance expenses and parts (makes it nice for me).
VERY close on the MPG. The Vision has a 6/1 (total/reserve) fuel tank and the XCT has a 5.8/1.2 gal fuel tank. I expect the Vision would have better MPG than the XCT because when we travel together, my bike is loaded more to include the trailer and we need gas just about the same time.
Both bike can get a hitch and pull a trailer. The XCT hitches are cheaper.
The XCT trunk comes off waaaay easier as it's designed for the Lock-n-ride stuff. Very nice when it comes to options. The Vision's does come off but with more effort and time. Not nearly as quick to change on a whim.
Both bikes feel very much the same to the butt. Both are just as difficult to pick up if layed down on their tip over points.
I think I've exhausted my comparative thoughts. Each to their own. If it was just me and I had to have just one, I'd choose the Vision. It's more my style and I was in awe over it's wind and rain protection. I fit into the Vision while I fit on the XCT.
All just my humble opinions.
Both our bikes - both trunks off.