I installed a black anodized belly pan because I consider it cheap insurance for protecting the underside of the bike. I don't notice the bike feeling any hotter or the fan kicking in more frequently with the belly pan installed. 5,000 miles later, the belly pan is still on and secure. I felt it scrape for the first time last week while making a turn riding on an uneven road. Some folks also claim it helps with stability in high winds although I can't say one way or another. If in the unlikely event this one were to fall off and disintegrate I'd probably spend the $50 to get another one.