The way I remember it the fender has to come off right away with the wheel. Then you have to loosen the pinch bolts further up. Theres nothing in the forks themselves that hold them to the bike that I can remember. The only reason to loosen the top caps of the forks while they're still on the bike is because the clamps hold the fork tube for you. On the 01' model I have I only loosened the top caps & drained the fluid, I didnt disassemble the fork itself in any way. There are many threads on this procedure here & if you google v11 fork oil change.