Vinyl is very resistant to fuel so I'm not worried there. I spill fuel on the race car vinyl all the time with no ill effects.
As for more of the bike being wrapped, yeah, I think the panniers would be too much. It's be the easiest pieces to do but I think it'd be camo overload. I do think wrapping either the front fender or fork guards would tie in nicely with the tank and side cowls, but I'm not completely sold on that either. So far I'm pretty happy and it has received a lot of positive comments in person. I do feel that the pictures don't quite capture it.