Unless you’re a dune-only rider, we strongly recommend making an investment in some underbody protection. Most OEM skid plates consist of little more than a thin sheet of plastic or metal and typically protect only the key components. It takes very little for a rock or a log to puncture it, potentially causing serious damage to the vehicle or even a passenger. A number of companies offer full body armor kits constructed of UHMW, a material that has become very popular in recent years as a durable solution for protecting the underside of a UTV. While the material is very durable, its slick surface tends to glide over rocks and rough terrain verses allowing the obstacle to puncture it.
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Seems to me that #3 explains why #2 is just silly.