You really can't predict the dynamics of an incident, so I personally have a set of Luftmeister guards installed, had them from the day I bought the bike . I have mounted a set of PIAA 40 driving lights, and I think that being visible to the brain dead, crack head idiots out there on the roads, is more of an asset than possibly preventing an ugly scenario if the bike goes down. I have come to the realization that I ride a 26 year old motorcycle that at best is worth $2000, I carry only liability insurance, and I have saved almost enough in insurance costs in the last 3 years, to pay for the bike. So if the bike is gone when I get out of work or missing when I come out of a store, or is destroyed in an incident that was my fault, I won't get upset, it's expendable, I've come to terms with it.