Lots of people.
I'm glad your getting a 19 FX and believe me I get that your excited and curious but understand most of your questions were answered in thread posts in 2013/14 when these were new. Kind of old hat for most members so don't feel bad if 50 people don't jump in.
I promise all you have to do is go slow and easy when you first get it then play around with your custom setting from your phone and you'll find out how to set it up best for you. That's part of the fun.
The one issue that came up most often was belts snapping. If people were jumping things and kept fast throttle it put a lot of load on the belt when it hit the ground again and could snap the belt. Also getting gravel (rooster tails) stuck between the belt and sprocket and snapping it. Anything thick or hard in the way can cause too much tension and snap it. Should be less with the newer bigger belts but it can happen.
That's where the chain kit option comes in.
Mostly off road? Get the chain.
Mostly road or lite off road keep the belt it's quieter and no lubing needed.