easy fix... put a turn down tip on the end... the temps at the tailpipe aren't that warm anyway...
just put a turn down like ^^ he said
I was working on a range rover the other day that has factory air ride and the exhaust was running about two inches away from the bag.
its not the tip thats near the bag its the actual muffler body and i just made a new mount for it that moved it about 3 inches away so i think im good to go