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In this case, I can affirm, putting a deflector eliminated the problem on an exhaust that looked just like this.
I am not suggesting that its needed all the time. But when you have a turn down, 14 inches ahead of the fuel tank, its best not to assume that 800 f. exhaust gas will necessarially will stay down. In this case, it was a problem solved. As for the check valve, I haven't seen that problem.
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Just running the stock exhaust shield in front of the gas tank will go a loooong way towards keeping exhaust gasses from heating up the tank. This can be a VERY real problem.