hey Joe,nice bike looks familiar though, i know i've seen it before!lol.yes fellas i do believe you're all correct,but as i've only got 364 miles on the clock in 30 degree weather,with salt and gravel still strewn about in the corners i have'nt had the opportunity to drag anything...yet.also i've been hearing a lot about belly pans,and the damage that can result from the non-use of one(smashed or cracked coolant overfill bottles and other sensatives),so i ordered one(67.89 after shipping and taxes).i'm undecided whether to let my mechanic install it or do it myself.reviews say it's easy,15 or 20 mins,and i'm known to be handy with a wrench,but i also have bad arthritis on my spine(crash damage from a failing to clear the rear cager in germany)and that being on the very bottom of the bike...well you get the conundrum don't you??