In the interest of autopsy, the specific failure cause seems to be an oil leak developed in my top end. I've battled bottom end leaks for some time and finally got the drips of my garage floor by following the external clutch rod seal replacement process and new single rod upgrade. I also did the (amazing) chisel-strike-on-6-sides leak fix to the neutral wire fitting.
I had noticed my carbs were oily on the outside after my runs, including my toolkit that was mounted behind them. Nothing pooled or dripped when parked, though, so I was missing the feedback on oil loss I was used to. (Yes I understand there is a dipstick, and he goes on the saddle.) The thing always burned oil and smoked at take off out one pipe so sloppy black oil was expected.... I had put a topper of Rotella in there a few days before..... and it seemed quite happy. 'Quite Happy' is a technical term and mine was within spec.
In the end, I always knew the XS's legendary durability would be its demise at my hands. Like the girlfriend who says everything is 'fine' till the day she dumps you, so too was my engine.