Well I got it changed and did not remove the panels. The screws holding it on have plastic handles on them, and the brush-guard is held on by standard bolts like the picture above. Removing it wouldn't have been hard, but I wanted to leave them on. This summer I will take it off and give it a good once over - just too cold now.
You can do it on a BX if you can get the oil filter off. I find it a PITA to NOT remove the panels to do an oil change...Spend the 5 minutes and remove the (4) bolts on the guard and then the sides.