Why would the fairings hit the ground? You planning on lowerring it? If you plan on lowering it so much you would drag the fairing you are buying the wrong bike. You can change things only so much before they lose their intended purpose. Like Sue said, a 250 may not be you but it may be the only thing that YOU fit. Go try out all the makes and models yourself before making a choice. Some similar models may fit you better than others. A F4i may be all wrong but a 600RR may be better....
If you are a beginner or haven't rode much/recently, I would suggest taking/re-taking the MSF's BRC. Try here..
www.renj.com