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Ideally you don't want to hit the limiter because that throws off your acceleration run, you want to shift just before you hit it, so you have to hit it a few times to figure out where its at, so you know how to avoid it. Theres nothing wrong with running your bike hard, and nothing wrong with getting into the rev limiter occasionally, thats what its there for, to keep you from pushing it to hard. If the motor couldn't handle the RPMs then the rev limit would be set lower at the factory. Anything can happen at anytime to shorten the life of your motor, ride it the way you want until it breaks, fix it, then ride it again.
No need...my "touring bike" runs at "cruising speeds" just fine & that's why I bought it...to take "enjoyable" cruises. If I wanted to be hitting a rev limiter - it would be on a 1/4 mile track in pro-stock bike class.