Yes this has gotten a lot of attention in one of the other posts on this forum. I use a sheet of posterboard which covers about half the rad when the temp gets below 40...if its below 30 I use a piece which covers about 3/4 of the rad. Works really well. Like you said, I just slip it between the radiator and guard and it stays in place fine.
If you really want to keep the temperature up, you're going to need to keep the bike revving at 10,000 RPM, all the time. Plus, drain the coolant, half the engine oil and put a fleece blanket over the radiator.
All of the above was an attempt at humour.
The radiator cover seems to be the most commonly used thing, and is what I will be doing next fall, as this bike runs like crap when it's negative 5 out.
Modify a medium-mesh metal basket to fit, & wire it in front of the radiator.
Be sure it doesn't interfere w/ the tire & suspension stuff.
10 minutes before the ride fill it with charcoal & lite it up.
That ought help add some heat.
Oh yeah... make sure you wear flame retardant pants.
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