Again, I dunno about SM but you should have enough range in preload adjustment to account for riding naked and fully geared up - and within reason, for a passenger. (Personally, I don't allow passengers except in emergencies - like the guy who hit a monkey in the mountains and we all couldn't get cell coverage so I dubbed him to a pay phone in the town.)
Set the sag, then how close you are to the limits will let you know if you need to change springs. Unless you're well outside the 'norms' of weight or riding it at the limit, I doubt most people need to worry ...
Set the sag, then how close you are to the limits will let you know if you need to change springs. Unless you're well outside the 'norms' of weight or riding it at the limit, I doubt most people need to worry ...
