the off center doesn't bother me... the rub makes me a bit weird, it's not major rub but i'll keep an eye on it...maybe take the bolts off each side and see what happens...
Same on my 09RG. I have all the saddlebag hardware off so it's just the fender sitting in the frame. Sitting on a center stand with both wheels off the ground the right side of the fender clearance to the tire is 1" - 1-1/8" gap. On the left side it's 3/8" - 1/2" gap. Maybe when you reattach the bag hardware and exhaust you can do some tweaking to cheat it over but they are definitely coming from the factory that way.
FWIW, I got mine centered by loosening the fender strut bolts, pulling the fender a bit to the side that has less clearance, & tightening the struts back up. The fender is now perfect.