Hi Bob
I recently got a stone through my oil filter which covered the rear tyre in oil.
I almost turned the TC back on till I realised it was an oil leak
That's why I fitted the belly pan as my tyres pick up a lot of stones as do the rest of the group I ride with.
I'm still not 100% sure on the belly pan but it deffo keeps out the stones
If I get the White panels I am after there will be no belly pan fitted when in Stormtrooper mode.