Chris, sorry to hear about the bike man, but am glad you are ok. Now I am going to play devil's advocate here. How low is your bike? SnowMax is lowered 2.5" in the front and my COO case guards have NEVER hit the ground even when I have leaned over far enough I was right on the edge of lowsiding the bike. Heck just to get mine to touch I would have to lay my bike almost on its side anyways. At 5 mph to get your bike over that far I would say that it would have gone down if you hit dirt, grit, sand, or anything let alone an engine guard. Going that slow the bike is uber unstable leaned that far over. Hell any engine guard would have dug in and dropped you. Not to be an arse, but I don't see how you can blame the guards. Of course I wasn't there so I may be wrong, just finding it hard to swallow.
Hope you can get it fixed soon and for a reasonable expense.