I am just purchasing my first Harley. At first, after reading and researching... the Switchback seemed to be my ideal fit. I liked the flexibility of the look after removing the bags. It is a nice bike, but after looking at the Road King next to a Switchback, and the minimal price difference, the Road King was an easy choice, at least for me. I'm more of a comfort rider, and when I thought more about how I would use the bike, I realized I would never remove the bags anyway. When riding, you never see those hard bags, and they look nice on the bike. Especially to show off the nice paint.
I did not consider the Fat Boy, so I can't comment there. But they are very nice as well.
I am scheduled to pick up my 2013 Candy Orange/Beer Bottle Road King today!