Just putting this out there. I've designed a simple rear fender mod kit that puts the fender nicely over the back wheel. Still strong for 2-up. It was the right answer for my wife and I to keep the stock travel yet for me to have that "lowered" look I like. My sig pic below was when it was actually lowered. But my profile pic is with the stock height and just the fender mod kit. You can see it looks lowered about the same, but it is not.
I was thinking of machining a couple sets for a couple roadstar members to give a try, at no cost, in order to give full thumbs up, or any feedback to help refine it, make any final adjustments, then make more. But then they won't be free lol. PM if interested in being a guinea pig and we can talk more about it.
And questions from the group feel free to ask. It's not like I'm going to patent the thing.