Ride to your ability.
If you have some motocross experience you'll find the rubber cow to be heavy but quite capable in most situations.
Paved roads are the exception here in my neck of the woods and with my /5 I've done a number of ill advised water crossings, traveled many a forest service road and dug out of some pretty deep gravel.
Only thing worse for the wear was the front fender and oil sump.
The most important thing is having dry ground to ride on. Mud is not your friend when off roading on an airhead. My #1 rule is this...
when in doubt, throttle hard.
insert meaningless phrase here....