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Getting the pillion on and off is a team effort too, you need them to make sure you're ready before they climb on.
This is the one and only time we dropped ours in the month we had it. First day, petrol station in rural Illinois; wife asks if I'm ready for her to get on the bike and I brace for her to get on from my left. She gets on from the right and I'm immediately unbalanced and drop it.
As you say though very little damage at low speed and we had full insurance so all good.
I should add if you drop it at standstill or low speed it's generally not that damaging, it leans on the chrome bars and any damage is out of sight. The pillion can usually just climb off then, they tend to not fall off. When it comes to picking it up again make sure you have a look at the proper techniques, I'm not bad on a dead lift but you'll struggle if you don't have the right technique.
If you were to say drop it against a petrol pump then the fairing gets scratched and the bill is considerable! Don't ask how I know.
Getting the pillion on and off is a team effort too, you need them to make sure you're ready before they climb on. Saw a couple of instant fails with some of the other riders on our first tour which was a group of 4 bikes.