I find the Kingpin to be a very nice bike too, but I feel we need some clarity or terms here. A Cross Roads with hard saddlebags weighs 58 lbs more than a naked Kingpin. A Cross Roads doesn't just come with appropriate sized wheels, it comes with an excellent set of tubeless radials. There is no reason to loose the comfort of the floorboards on a Cross Roads because it has considerably more cornering clearance than a Kingpin.
Well... The Cross Roads 8-Ball is only 38 lbs more dry weight than the Kingpin. Both are listed as 5.8" of ground clearance. Both wheels on the KP are 18" where the rear on the XR is 16". Both chassis are equally rigid as neither will experience flex.
However... with the Kingpin (or other steel framed bikes) there will be many more options for exhaust and airbox designs. You can ride it sans luggage and with a solo saddle, unlike the XR. It can be more than one bike based on how you dress it and can go from naked solo cruiser to tour-packed bagger-tourer as you desire. The XR will be more roomy/comfortable most likely, depending on what saddle you're using.
"considerably more cornering clearance than a Kingpin"
That I would argue. IF it did have more cornering clearance (which I doubt) it would not be considerably
more. This would be a wager I would happily participate in.
There are advantages/disadvantages to both. Life is filled with compromises and we all choose the compromises we can live with.
I almost bought a Goldwing, but decided against it. Yes, that bike would be swell... but once the swelling went down... I know I won't want to live with a full-blown touring bike as my daily driver. It offered no versatility... it's always a tourer.
2006 Victory Kingpin
Lloydz 116" Stroker/Big Bore, .495 Cams, Torque Tubes Airbox,
RPW Thor Pipe, Lloydz ECU Flash, PC-III, PTS (-2), Rivera
Primo Clutch Spring, 31 Tooth Pulley w/Buell Belt.