Generally rods are advised if run hard. You could shotpeen your rods and use stronger bolts if you can find them, or as they said the F rods are stonger?
I ran stock rods in an 836 for a long time, with a fairly hot cam & carbs I usually ran it to 10K or +, nearly everytime I rode it. Bracket raced it as well, a lot. probably hit 10K or better at least a thousand times.. and it held up fine.
But if I had the big bang, I could not say that I would not have expected it.
If you are not going to race or rev it out constantly, you will probably be fine.
As for paying 1K to get rods put in, I think that is high. And second I must ask, why would you do what you are doing to the topend without at least looking at the lower end?