It's not about the fear of breakage, it's about longevity. A 520 will not last as long as a 525 width. WSBK don't run for 20,000 kms on road grime.
I've changed the gearing on all my Ducati as I could seldom use 6th gear. Furthermore, the shorter gearing really facilitates stop-n-go situations as you don't have to slip the clutch as much.
Moreover, the shorter gearing on the track is not as much for acceleration but to avoid having to down-shift significantly near the end of the straightaway entering the curve.
Consequently, -1F will do fine as many of the guys here don't want to spend on a new chain and rear sprocket.
I agree with you about personal mods...whatever turns our crank is "anything goes" as long as it makes us happy.