Bob,
first, take a look at the following thread:
Akrapovic Mufflers with "X-Pipe" where I had done a exhaust sound recording...
Take a look at my CF parts...it does SHINE, just like the well waxed OEM parts do, if not more so...that takes care of your first question...
Now, on the BUGS possibly damaging your shiny CF body parts...I doubt it...those Yamaha CF Body parts are pretty tough and I don't think you have to worry about that...if nothing else, put 3-4 coats of hard wax on everything before you leave the place you are buying it at...don't buff it...leave the wax on there real thick until you it her home...
Now, on the Lowering...I am assuming that the bike that you are buying has the lowering link and NOT the air suspension...
Ok...I too have the lowering link and have pushed the forks up 38 mm from stock and have all of the settings (compression, rebound, pre-load) at around 60% towards the SOFTER side since I only weigh 170 lbs...
Moving on...I do not hot-dog it around the corners like I use to in my younger years but have leaned it to some corners, lets say, fairly hard and have not hit anything yet...
The only problem that I have had is, because I have always left my shifting foot UNDER the shift lever once I am out of 1st...even if I am in 5th...and only bring my foot around and up when I am going to do a down-shift...
That is just the way I ride and I DO ride pretty hard, that's FAST that is...
Anyway, on some relatively flat left hand curves and on-ramps to freeways that are flat but curve to the left onto the freeway, my toe has hit the ground and a few times, tried to go down and under...scaring the crap out of me...
I have now learned to pull my foot around and over on those left hand curves...
I am assuming that your main concern has to do with getting the bike home and not once you are home...
The reason I say that is, if I were 6 ft 3 ins...I would have left the OEM link in there because the bike runs just fine in the OEM configuration and there are very few problems around any corners or curves...but at 5 ft 7 ins...I wanted that BOTH FEET ON THE GROUND "fuzzy" feeling, especially in graveled or sandy areas and the occasional reverse bank situations...
The bike in my opinion rides really well with the lowering link and is stable for ME...
But if you are that tall, I am thinking that you weight a bit more than I do and so, there will be different suspension settings that you will need to have (Stiffer), IF you are to keep that lowering link setup...
Well...I hope that you have been able to take some of my comments and are able to make more of a informed decision of what you want to do...
Art