OEM will protect against wind, bugs, small stones etc., but if you want something to protect the bike in case of a tip-over, something like a set of BarkBusters might be nice. And FWIW, I bought a set of BarkBusters and got their "VPS" plastics- they work OK especially with the Oxford heated grips. I've ridden into low 30's so far with no problem. But if I had it to do over again I'd have gotten the larger "Storm" plastics. (And I'm kinda cheap so I guess I'm stuck with these for a while; others have said "you can just buy another set of plastics for a few bucks", well they are $45/pair, which to me is more than just "a few bucks"!) Good luck with your choice.
Gone but not forgotten:
2006 EX 500, "Sport-Touring Lite"
2003 C-10 Concours
2005 FJR1300 - sold