Thanks, guys. I like the guys at my harley dealership, but you just never know.
As far as DIY, I did install sissy bars and the backrest to my sportster before, but I think installing detachable saddlebags is a whole different beast. After reading the pdf Chopper gave, I would not know if I was reading the manual upside down. Though I wish I could save the 3-hr labor @$90/hr, I think I am just going to have the expert do it.
However, here is the real kicker, and I feel absolutely stupid. Initially I had them install the smaller Fatboy saddlebags with the aftermarket kit to make them detachable. Since the dealership does not have the bags in stock, I only saw them in the picture. When I saw them after installed, they just look weird to me, sticking out too much and too small for the bike. There was also a big gap between the bike and the bags because I planned on getting the detachable sissy bars later.
So, I decided to get the bigger, thus more expensive ones and now have to pay extra for the install! Once I have them installed, I will post the pictures with both bags. Mabye I am just crazy. Lesson learned. Make sure you are able to see and touch what you plan to buy (pictures not not enough) and don't rush into getting something. Research and time your time.