General comments on some of the above questions, last shall be first, no wreck unless it was within the first mile before I picked it up.
Looking back at my mpg, it's been dropping off over the last few fills, I surmise the brakes have been starting to bind for a while. I'd assumed the lowering mpg was simply due to lots of local trips, but now I think otherwise. I believe the disk warped during a run I did to check the balance of a new rear tyre. I found a nice private road, took it up to 3 digits, it then refused to go faster, it felt like the engine ran out of power.
Obviously the brakes were seizing, probably the disk was warping and pushing against a fully retracted pad. It got hot enough that the fluid boiled, it lost all hydraulic pressure.
Root cause of the binding? Possibly the brake pads gummed up with crud. Although I've not done anything differently from my previous FJRs, I have a suspicion that the different front mudguard (fender) shape used with the upside-down forks alters the flow of air/water/cow-dung in the area of the brake-pads, maybe they don't self-clean as well as the "normal" ones?
Can't think of anything else, and obviously I'll be keeping an eye on the brakes and cleaning that area when necessary.