Everything DarkNinja75 said is 100% true, but for those interested in installing clip-ons I still want to say go for it!
I installed clip-ons on my Ducati Monster several months ago. I love them. I can't promise that you will, but it's impossible to know unless you give it a try.
I do love twisties, mountain passes, canyons, knee dragging, peg grinding.... but that's about 10% of my riding. I don't have a car, so my Monster 900 is my commuter, grocery getter, etc. Right now I am on a cross-country ride from California to Pennsylvania (3,000 miles) and on a Ducati, mounted under the crowns, the clip-ons sit several centimeters LOWER than on most japanese bikes.
The point is, for my purposes, clip-ons are totally impractical. The important thing is, from the bottom of my heart, I just don't care and you don't have to either.
Leaning forward might hurt your back, it might wear out your arms, it might just be an unnecessary pain in the nuts, but it also might not. Same goes for aftermarket rearsets, soft-compound tires, magnesium wheels, aftermarket suspension, or any of the other stuff people will tell you is a waste of money, not practical for a street bike, or only of benefit on the track. Try everything, see what you like, sell the stuff you don't like on ebay!
One "practicality" suggestion I'd like to add is that you should take a good look at how your front-end is designed. Some bikes (like my Monster) are sold with bars, but designed so clip-ons can be easily mounted... but some aren't. Be aware that your brake hoses, throttle cable, wiring looms... these all may need to be changed, re-routed, or modified. I owned a naked SV650 last year. I "could" have installed clip-ons, but I would have had to fabricate my own headlamp mount. Just be aware this job isn't, cheap and simple on all bikes.