In my experience I found the bike to get less dirty WITHOUT the rear tire hugger.
The problem with it is that all the mud and dirt from the tire goes up, hits the hugger, bounces off it, and spreads dirt all over the bike, especially onto the rear central part of the bike under the seat. Without the hugger most of the dirt ends up on rear fender, where the number plate serves as extra protection.
So, you might want to try to take off the hugger and see for yourself, compare riding the bike in rain for a few days with it and few days without it.
But yes, with the hugger or without it - a Duke is one messy bike to have in rain, no two ways around it!






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