Actually you shouldn't have to remove the side covers to get to the seat, there is a recess in the side rails that the saddlebags clip on to. I honestly can't remember if the saddlebags have to come off or not to get to those bolts, there is one on each side. You should take some lock graphite and really lube up the locks. Yes, the front locks are the ones to remove the saddlebags. I can remember one of my bags being slightly out of alignment and I had to wack the bag to get the key to move...