My wife and I both have the 2013 F1100 LXR's. They ride nice, and yes, they will bottem out once and awhile when you hit a rather large bump, bear in mind that I weight 240 and have not changed any of the settings from the factory.
I have a 2012 XF1100 LXR it has a different suspension than the F models, no torsion springs or coupling. I was initially unimpressed with the ride, it would bottom too easily, and if you tightened up the springs to stop that, it was harsh on the stutter bumps. I installed the Hygear linkage mod, which made a big difference, much nicer on all kinds of bumps now.
On my 2010 Crossfire SP I investigated and rode all the options (including the Burant re-valve) and ended up putting a 2009 torsion suspension on it. I wont have that option (I believe) with a XF. I did not ride one with the High Gear linkage rod. Do you think it brought the comfort level up to par with the torsion?