Regarding my top tube mount, I use a piece of angle aluminum to guard the drive side of the chain more for oil flying up, than for safety since I've never had the engine driven chain fly off. The chain from the BB back to the rear cassette came off once or twice in the beginning, but I fixed that by mounting a larger chainring to the inside of the 24T chainring acting as a chainguard.
I thought about running all chains within chain tubes (similar to a recumbent) but since I haven't had any more derailment problems, I didn't.
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