Fit a heat shield or the tank may explode on a hot day.
I don't see how that could happen unless there is a simultaneous gas leak and exhaust leak in the same vicinity. Gas cap vents excess fuel fumes when gas get warmer. Additionally, I did overfill the gas tank several times to the point where gas was leaking from vent port in the gas cap - I'm still here. Am I just lucky?
If it was a problem there would have been a recall. I use Ocean Potion Oil.
In all fairness, lack of recall doesn’t constitute everything is right. Suzuki, like other vehicle manufacturer, might chose to ignore an issue, even potentially life threatening issues, because the possibility of problems biting them in the ass is minimal.
I did buy a piece of self adhesive heat reflective material for my right saddlebag. It is not strictly necessary, I just want to keep the content of my saddlebag a bit cooler while standing in traffic (pretty much every day in NYC). If I have any of that material left, I might consider installing it on the underside of the tank when I have nothing else to do with my time.
I don't recall hearing of any gas tanks blowing up.
I think it is highly unlikely. There needs to be a combination of fuel and some sort of a spark, either due to friction/electrical issue/exhaust leak. That said, a heat shield won't prevent fuel leak, so no real point in installing it, unless somebody would want to keep the fuel temperature a few degrees lower, and only when motorcycle is standing or moving very slowly.