Between the 2 depends on the person. Other people and I prefer the clutch cover and others like duneracer and 87warrior917 prefer the big bear. Im kinda partial to the clutch cover, but i also mod them for people. Everything from full kits to just the cover with almost any option you can think of. Yes I had to promote myself!!!! LoL
If your gonna go with the clutch cover have 98^^^^ do it for ya:tup:
On another note the bigbear setup is very nice. Only reason i perfer it over the clutch mod is its a factory yamaha piece, which lets me sleeps better at night.
Not really below the frame. I have a full gyt-r skid that protects them fully anyway, so no worries on it. You can always make something to protect them