One note on the whole "if someone hits you from behind, they're always at fault" issue, I used to be under that impression as well, but it's not absolute. Found that out the hard way.
A couple of years ago, driving north on the eastern shore of Virginia with the rest of the band and the sound guy in a fully loaded truck to a gig in Maryland. Mr. and Mrs. Geritol in their minivan pulling their pop-up trailer are puttering along in the slow lane, and we're in the left lane just about to pass them when they realize that they just missed their left turn to the camp ground they are heading to. So on comes the brake lights, left turn signal, AND the lane change all at the same time. We were hung out to dry with NOWHERE to go. Sound guy STANDS on brakes and scrubs off as much speed as he can before contact, but we still hit them a ton.
Long story short, state trooper arrives, spends about an hour investigating, taking measurements and such, and after collecting all the appripriate information wishes us a safe journey for the rest of our trip and tells us he has some more business with the Geritols. And I have never seen an insurance company settle a claim so quickly.
Bottom line is that there are situations that you cannot be reasonably expected to avoid if your following. Don't assume the follower is always at fault. The only way to completely avoid a collision is to never leave the driveway, and that's an unreasonable expectation.
And regarding how you may be affected by any modification to you equipment, NEVER underestimate what a good lawyer can pull off! Remember OJ.
Ride Safe!!
Larry