I run a full liter of 20W50. It really does help and does not affect clutch usage. Most of my starter clutch issues are with low mile or infrequent use units. Trying to start with a low battery (from sitting) causes the kick back that damages them. The guys that use their bike regularly don't have nearly as many issues.
At a stop put the bike in neutral. You will have problems if you don't.The clutch will drag, and you will fry the clutch push rod, thus losing use of the clutch.