Well, I had been meaning to get these guards, but this got me off dead center.
I was driving through northern Michigan this summer and came up behind a pickup truck that "kindly" moved over to the side of the road to make it easier for me to pass. The problem was his big wheels hit the berm and started throwing large 3/4 -1-inch rocks back at me. Had a good one deflect off the knee pads, and was lucky then not to catch one in the headlight or fairing. Damn rocks didn't just fly straight back, but deflected off the inside of the tire and shot back toward the road center.
So Bradman, if you have comprehensive insurance, this is probably covered for you at minimal deductible. I wouldn't go to extreme expense or repair effort until that avenue is checked out.