I would buy or build a cylinder leakdown tester and pressurized each cylinder one at a time if you think its a head gasket. Remove radiator cap, bring the piston to TDC, valves closed, apply air pressure into the cylinder. If a head gasket is leaking into the coolant jacket it should bubble in the radiator.
There is also another part that may be causing your problem. Yamaha parts finder calls it a "Joint", part #17, 26H-12469-01-00, on their diagram, its behind the sparkplug and held in place with a spring pin, there are 3 Orings on it. Its made of plastic and can be a real SOB to remove. If I remember right this also separates oil & coolant. Someone else may chime in here.
I'd be surprised if its a head gasket, their 3 layers of steel plate laminated together to make 1 gasket. When I pulled the heads on my 86VR, I thought somone installed 3 head gaskets on it, its actual just 1.