I had a wreck with my 99 Concours on Nov 12th, when a woman pulled out right in front of me while I was doing 40mph. Bike slammed into her front fender, and before I took off into the blue yonder I slammed into the tank with my family jewels. When I landed on the pavement, I couldn't sit up since my groin was so sore. 4 days later my testicles were swollen like plums and black and blue. The black and blue continued into the shaft itself (sorry for being graphic, but it is what it is). After 7-9 days things started looking normal again. I got a look at the bike and the rear of the tank had a nice dent from my groin. I absolutely would recommend padding in this area of your pants.
PS: Back of the ambulance humor: "just how do you cure aching balls? Ice? Time? and one of the squad guys says DIVORCE". Somehow even with a broken wrist I laughed hard at that one. Joe