Sounds like you need to turn it down
I normally have it very low as I have a very short chain guard and unfortunately it's messy.

a badly setup one is worse than none
Good I'm glad you agree there can be some problems.
I believe the problem is with the chain guard and not the scottoiler set up.

Firstly I had mine professionally fitted.
They did an awful job for professionals.
They put the touring pack on a bike that was not recommended for it.
They moved the rear numberplate in front of the light (illegal and very stupid).
They put some sticky pads on which came off in a few days and the pipework fell onto the exhaust.
Fortunately the piework was cauterized so it wasn't messy at all.
And that was a professional job.
I got my money back on that.

I've had more problems than you can shake a stick at.
However I would never tell anyone to ignore the experiences or opinions of others as I'm sure lots of people have received many benefits and had good experience.

If you want to offer advice or take a look and let me know how to set it up properly on a bike with a short chain guard then that would be great.
In the meantime I think the fact that they can be difficult to fit and give a lot of problems on some models should be something that's taken into account.

Telling someone to "ignore the naysayers" is saying that no-one else's experience has any validity except yours.