I've got a solution for you, Adog.
1. Remove your license plate and inspection sticker plate from the XT.
2. Drill 4 holes and attach them to the XR's rear fender with some nice bolts with lockwashers.
3. Leave the hubby behind and go riding with the "slow" group at Terlingua. You'll eat a lot of dust, but they won't leave you behind. I've seen some really helpless people at Terlingua, and the TRH guys that ride sweep help them pick up their bikes and get going. Over and over and over...

I think it's the same story at all of the AMA D/S events, they attract some beginners who get in over their heads. But really, Terlingua is a piece of cake. You have to ride like a maniac to make it exciting. I think there was only 1 time I momentarily got in over my head. There was a big rain rut in the road running at a 45 degree angle to my flight path. Scared the crap out of me because I didn't see it until I was right on top of it, but just a little extra throttle and pucker and I was past it. There was another spot where there was only 1 line, steep downhill, about 6" wide, with a bit of a dropoff on either side. If you're afraid of heights (or just a cup-half-empty person), I can see where this could be a problem. There are a couple of short sandwashes, but really, if I can do it, anyone can. The sandwash was the place I saw a bunch of beginners being helped by the TRH sweepers. Ride 50 yards, drop the bike, pick it up, kick kick kick, ride 50 yards, drop it, repeat.