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As long as you have good insurance that will cover any damage should the bike fall over you are protected. Crash bars are not panacea when it comes down to it. For tip overs they are great but then there is a chance you are damaging a $500 set of crash bars trying to protect a $250 valve cover.
Both my bikes are uninsured.If I crashed and destroyed my Norge overseas, the insurance money would do nothing to get MY Norge back and I would just go to the airport and fly home.I would not want to continue on some strange bike.
I suspect Huzo is talking third party cover rather than fully comprehensive.
Knowing you I suspect you will make a pair from polished stainless or aluminum.