When I scraped, I had 13.25" shocks on...but, they weren't set-up for my weight. I have different 13.25" shocks on now that are set-up for my weight. I'm willing to bet I would still scrape the bags if I had them on...albeit, maybe not as easy now...but I would.
Again, and I want everyone to understand me...this is my style of riding. I do not ride conservatively...if you do, you should not have a problem with a 3" stretch.