Okay. I've been riding my lowered bike solo for the last couple of months. Very happy with it, no problems. In fact I have been so reassurured to get the balls of my feet down at a stop.
Today was the first trip with pillion wife so we are now officially fully loadeed, nearly. We are not big folk, I am 85kg and she is 65kg. First riding dip on our driveway topped the tyre on the underseat mudguard. Hmmmm, not happy. We haven't put our extra camping kit on the bike yet.
The front poses no problem but the dogbones on the rear are too much for future fully loaded trips it seems. Bummer!
I'll be trying less adjustment dogbones with shorter sidestand, courtesy of Sage here on V-Strom club.

The rear spring is set to high loading as most of our riding is just that, two up.
I'll report back when changes have been made.