Sorry to hear of your crash and glad to hear that you're OK. The bike will get rebuilt, more importantly, you don't need to be rebuilt!
I was thinking of putting bags on my XS400, but ended up putting them on my CB836 chopper instead.
As far as speed wobble, when was the last time you serviced the steering bearings?
I had a 650 Nighthawk that would develop wobble at certain frequencies (about 95mph thru 100mph) and when I cleaned, re-packed and adjusted the bearings, it moved to about 10mph higher. I dropped the forks about an inch in the triple trees and two things happened, steering was quicker (due to reduced rake) and the wobble issue was never seen again. Win Win!!
A steering geometry issue from the factory, but there are ways to reduce the problem. Weight distribution for sure plays a big part on these light bikes.