John, welcome from another new boy.
I'm struggling with the height of my XTR, so I dread to think how an XTZ is! My first purchase after 100 miles was some engine bars, as a drop/topple feels inevitable. I now have some 20mm lowering links in the post and I'm undecided as to whether to fit them and adjust the forks accordingly, pay through the nose to get the seat remade, or try to live with it and hope my mates are not there when I topple off!
Best of luck with the issues. You're not alone!