I have a McGyver belly pan and the Honda centerstand. I don't think either one has ever touched down for me. Of course I'm not blessed with a lot of curves in my area but the only thing I have ever dragged is the Mini Boards with the 3/4 inch comfort drop mounts. I took those off over the weekend and put the OEM pegs back on. I was experiencing some hip pain with the dropped boards.
A belly pan is advised by many and this bike does have a plastic reservoir under the bike that could get damged from road debris. I have never scraped the center stand but have rubbed the belly pan going over bumps as in speed humps. In a lean the pegs are the first thing to touch down for me, I installed pucks underneath to save the pegs.
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