There should be about an inch and a half in the shock adjustment. If you run the adjusters to the top you will notice the difference. I will lower the rear of the bike and wont effect the handling unless you run very hard in the corners. Lowering the front wont have much effect on your reach to the ground. This is the quick easy way to lower the rear.
You could do it, buy reducing the spring pre load. This of course also reduces the actual stregnth of the spring too. Since you'll be using the spring in a longer legnth it will support less load and therefor sag more. This may be fine if you only weigh say 120 lbs. if you just short and weigh more like 160. then you might be dissapointed with the handling.
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