dirt in the bead is "normal" when you've essentially bottomed or max loaded without bottoming the suspension then also used up the tire's sidewall "roll". the tires are low pressure and in softer soils you will get dirt in the bead during cornering more than u will on hardpack.
you are correct in your thoughts about the shock move and what you'll have to do and its effects. but also remember that you move the loading point with the shock so you will have to beef up the swingarm to counter that. such a move will also increase the distance up/forward that the swingarm can travel even with a raised lower mount.
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