Don't take this the wrong way but at that pace you really shouldn't be dragging even on the fz. This comes down to body position and throttle. A bike on the gas will rise and give more clearance, I'm not talking full gas but you need to be rolling on the gas to give you the clearance. Rearsets aren't a bad investment at all, it will help but keep the other in mind. As for suspension if you just want to make sure it's sprung for your weight and setup but I will never tell anyone not to buy aftermarket suspension, it's worth every penny.