I agree 20 V might damage the rotor. I have a hard time believing the battery could be overcharged (and survive) to 20V. The scenario makes more sense if the battery boiled out and became open circuit. Then a failed regulator (fused to it's input, rather than open circuit) could cause the scenario described, I suppose. But, normally the battery will buffer overcharge for quite some time. It might also be that the battery failure cause the regulator to fail, etc.
But, damn, that's a lot to go wrong all at once. What are the odds?
It IS important to check the electrolyte levels periodically.
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Anyway, it just seems more likely that motor heat, errant oil, and centrifugal force are more likely to fatigue the winding insulation and cause it to short out. But, what do I know, I've rarely ever seen a Cb650, let alone worked on one.
Ride safe.
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