I realy love my RSTD. I waited 12 years for 2008. I bought it when I was single. Now that I am married I'm glad I kept my 1987 Venture Royale.
You can add everything to an RSTD but then it really isn't an RSTD anymore. And remember that rack mounts to the sissy bar which mounts to the fender and if you overload it you bend the fender( don't ask how I know this). It is not covered by warrenty. The load threshold is 10lbs ( as per yamaha).Yes it will take more but you run the risk of bending the fender.
So what kind of riding are you MOSTLY going to do? Two up and lots of long distance or do you just like to carry a lot of stuff, go with the RSV. Some 2 up, short trips,once in a while a long one lots of solo time,go with the RSTD.
But IMHO you can't miss with either one