If an AT (or any other bike) owner is carrying full-coverage insurance, why spend the money on crash guards. They are sure to be a loss as well as the body work under them.
Nothing on my Concours 14 for this same reason. Had a tip-over a little over two years ago. Some scratches resulted, but the used-bike value has plummeted; so, nothing gets replaced unless it is broken.
Now, engine guards make sense for me if they can prevent a rock puncture. (It happened on my KLX650 in Panama--long time ago.)
Nothing on my Concours 14 for this same reason. Had a tip-over a little over two years ago. Some scratches resulted, but the used-bike value has plummeted; so, nothing gets replaced unless it is broken.
Now, engine guards make sense for me if they can prevent a rock puncture. (It happened on my KLX650 in Panama--long time ago.)