Thanks MJ09, I've got the lower seat, it was thrown in as part of the package, i've only done about 50 miles on it so far but it did seem harder than the standard seat which TBH is'nt surprising as it's obviously got less padding, maybe it will soften (or i'll get used to it) the more miles i get on it.
As previously said i just want to feel secure with panniers & the missus on the back so i'll give the lowering bones a try, i did guess that the forks would need to be moved 15 - 20mm as that's what i've done on previous bikes (Tiger 1050 & Tiger 800) but it's nice to have it confirmed.