mina,
its not just there to keep the dirt etc off the underside of the tail, for some people its purely for looks - and a wank... ok, i admit im guilty
sometimes its better to just have no hugger at all and leave the stock chain guard on (if you havent tossed it already)
tip - dont get a plastic one, my last one gave me headaches as the mounting holes kept breaking up and i eventually got rid of it... thanks madkaw!

but then again, i havent seen him use it...
dave zx9r