The R-RT is really going to be a handful for any newer rider, especially a petite one! You sound like quite a trooper!
I think that the "crash protector" you refer to might be a pair of cylinder head protectors, something like these:
These basically keep the cylinder heads from getting scuffed/scratched up during drops.
I am not aware that you can directly mount the crash bars on your bike which are used on the RT-P's (although I have never taken the tupperware off a civilian RT to see if the mounting brackets are there). I have attached a photo of an ex-RT-P without the front crash bars. You will note a round, dark mount point under the BMW roundel, just in front of the cylinder head. This is one of the mounting points for the RT-P's front crashbars. I don't know whether your bike has these, and if it did you would have to drill through the plastic to access it, probably not something you want to do.
Instead you can practice, practice, practice on your new, or any other bike. Find a big parking lot which isn't used on weekends and do lots of slow-speed work. It really doesn't matter what bike you use for this - you just have to get all of your balance reactions coordinated. I stopped riding for 10 years after an m/c accident (took on a left turner - lost), and instead did a LOT of mountain and road bicycling. When I climbed back onto motorcycles after 10 years, I actually felt like I had become a better rider. Being clipped into bicycle pedals causes you to develop pretty good balance skills (or to invest in a lot of bandages for your cut-up legs), and that translated directly to M/C riding. Please get a lot of slow speed practice in before you get out for any tours on your new bike!
Also, are you riding with full protective gear? With the issues you are currently having, you will really benefit from wearing all the gear all the time (ATGATT). A good pair of M/C specific boots will help you not slip when putting your foot down, will not have laces which can catch on things and prevent you from getting your foot down, and may help protect you from breaking or twisting an ankle. Good overpants, gloves and jacket will protect from road rash, and I'm sure there is no need to tell you about getting a real helmet.
Plus I would really keep yourself from riding at night right now. There are a lot of very experienced riders who just won't ride at night. Things come up fast out of a dark roadway and even with their skills they see it as too much of a risk. And you have discovered that the RT's don't have the best of lighting. One quick and easy fix is to go down to your local autoparts store and buy a better bulb. Your bike uses a standard "H4" bulb, and a lot of folks swear by the SilverStar (Slyvania? Philips?) bulbs for more light output. I think that the stock bulbs are 60w low/55w high beam. Some riders put in higher wattage bulbs (like 80/100w), but then you need to worry about the wiring handling that extra load, and even melting your headlamp module. So I would recommend getting a new bulb with the same wattage as your current one, and ask at the parts store if any are brighter than others. Then make sure the headlamp is aimed correctly. This information should be in your riders or service manual which came with the bike.
Later you can do a search on adding relays to headlights. Relays in and of themselves can allow more power to reach the headlamp bulb, and give you more brightness than the stock wiring will. Then there are add-on PIAA or Motolights auxilliary lights which you might later install for real brightness.
Sorry I don't have the knowledge about Com systems, so I'll let someone else have that one.
So congrats and good luck on your new bike. And please practice, practice, practice on it, and let us know how you are doing.