I have a '14 adventure that was a "new" leftover as well. I am in the minority and like the factory bags. The lines complement the look and the locks are keyed the same as the ignition. The bags are smaller than you can get aftermarket, but none of those aftermarket bags fit as tight nor do they look as natural as the factory bags. (Right side bag is molded to fit around the muffler and rides close to the bike at the expense of some internal volume)
You mentioned that your main riding will be paved commuting 30 miles daily (about the same for me). With that in mind, I have ample space in the bags to carry emergency gear, water, cargo bungies, paracord, foul weather gear, cellphone mounts & charger, my lunch, and any mail / small errands that I pick up around town. They are even adequate for weekend overnight camping trips, although to get everything for me and my son onboard there was a lot of stuff lashed to the cargo rack in addition to stuffing the side bags. They are also big enough to carry my loaded fishing vest and a collapsible rod & reel for day trips to the lakes around here.
For paved commuting the factory bug/rock guard (lower cowl) is adequate. I even took mine off road with just the factory bug/rock guard. However, I have ample access to dirt roads and plan to spend more time off road (especially when my brother finally gets around to getting an adventure bike), so eventually I replaced the bug guard with a decent bash plate for peace of mind.
The handguards are also adequate to keep road debris, bugs, wind & rain off your hands. But they are just plastic, so probably won't offer any crash protection as mentioned previously.
I also wanted the "touring screen" because I'm tall, but eventually had to replace it with something more...
The accessory bars are a must for me (most call them crash bars - but Suzuki calls them accessory bars - probably for marketing or liability control). Either way you go, I definitely recommend having some form/brand of them. Great for mounting lights and stuff. And I assume they will also offer some protection when the bike gets tired enough to take a nap. I have never dropped my bike so I can't say for sure. On the other side of that argument, many claim that they can add vibrations to your ride.
For me it has been about 50/50 for using the factory adventure equipment and aftermarket stuff. It depends on your situation. The adventure package does run about a $2K difference from a naked bike. The bags will account for the lion's share of that cost difference. Shop the stuff you think you will want/use vs. stuff you will replace in your application and crunch the numbers. Also, don't forget you can usually sell off the factory stuff that you remove to offset the costs of the replacements, so include that in your number crunching. For me it ended up sixes going either way (adventure with swap outs vs. building up from naked), but I wanted the tight fit and matching look of the factory bags - which are quite pricey when purchased separately. But I found a dealership that was selling for $2K less than everyone else in town, so it made it an easy decision for me, plus the adventure model was good to go right out the door!