[quote]I have a radiator guard on mine. A rock put the smallest nick on my old '09 ZX and put a hole in the radiator, the new one was $700 parts only, I installed it./quote]
Exactly what happened to me in 2013. I was on the way to catch the ferry to Ireland for the NW200 and got a hole in the rad. The road had just been resurfaced so there was a lot of loose chippings around. Rad was beyond repair. Called the recovery people who took me back home and I couldn't get a new rad for almost a week. So, no NW200 holiday, no ferry fare refund and £600 for a new rad. Annoying thing was, I'd been looking at rad guards a couple of weeks previously and thought "£45 is a lot for a piece of wire mesh" so I didn't buy one! So my advice is JUST BUY ONE! I also fitted a front fender extender which stops any spray and road crud from the front wheel hitting the rad directly.
I've seen this product on a few bikes and it looks like the answer to stone chipped bodywork. Venture Shield
Even in dry weather, 100 miles or so and the bike's covered in dead flies, brake dust, rod dirt etc so I wash it regularly. I prefer to get the bike on the stands and use plenty of water with a good detergent and a hosepipe. I'm not a fan of 'dry cleaning' the bike as some are but each to his own.