My bike came fully faired, lowers and all. I have had it completely naked too and I will say there is a world of difference Between complete naked and complete faired on the highway as far as comfort. A naked with a big windscreen like the blue one motorick posted is probably allot better then naked too, but that thing is big enough you might as well have an S model and just get a touring windscreen. The lower do make quite a different on you legs, there isn't much rain here but when is does rain the top of my thighs get damp and maybe some splashing on my boots but the lowers actually help keep my legs dry compared to not having them.
Thanks and Regards,