I have a hugger and dual arm mud guard that attach to the chain adjuster area. I've been taking my Versys on some fire roads and single tracks. I have a 2nd set of wheels with 50/50 ADV tires.
I took off the mud guard, as I notice some stress fractures on the fiberglass mud guard after a day off-roading. It has a metal frame and mounting hardware, but the bouncing from off-roading caused some hairline cracking where the fiberglass fender mounts to the metal frame/bracket.
I'll put it back on for street riding, after I re-enforce with some fiberglass and resin for our short rainy season in California.
Mudguard bolted to the end of the swingarm. I took it off after this one off road ride with it mounted. Good thing I inspected it, when I was replacing my chain.
As for the tire hugger, I noticed the plastic fender cracking in the most forward mounting location with the top screw. I at first attributed it to poor quality. Later I found it it was caused by the rear shock pre-load adjustment bracket. When off-roading and bottoming out, the spring preload adjustment bracket hits the fender when bottoming out the rear suspension. Thus cracking the plastic fender in that section.
Hugger:
I have a Öhlins rear shock on order since June. When I have the new rear shock installed, I won't have the external spring preload adjuster. and the rear hugger will be fine after I repair the cracked area, which has stayed in same localized area.
I've got a new Tenere T700 on order for my off-roading adventures, so this Versys will return to paved roads only riding and the mud guard will get bolted back on.