There is a guy in the Touring parts in the classified section looking to trade his compact filter for the HB (to fit with lowers) for the full size filter, Colin and then some number is his screen name.
if you do have a problem you can get the chrome backed Ness Big Sucker for $115 shipped on ebay from easternpc.
the chrome back is easy to wipe clean when washing the bike, works with the stock cover ( which does a nice job hiding the wiring to the throttle body )
that way you get the hi flow breather and a washable oiled filter
If you do install lowers there is a shorter elbow available, even with this elbow, the glove box to filter distance is about 1", the glove box will be useless you will not be able to open the door, ask me how I know!
You have to have the short filter,the intakes are one in the same.Aprox 1/2" between the filter and lower so speakers etc. are probably out of the question.No restiction on air flow.No problem getting into the glove box.