I have an '88 auto, (not the fasting thing on the road by far) I bought it 4 years ago and restored it. It had been run in Eygpt for 2 years with no undertrays or sump guard, and some one had cracked the sump in half on a rock. The car was recused and restored by me and now lives in Dubai, never goes off road and has never had ay problems with sump/road contact. So my advise would be, if you don't have the sump guards, there is no real need for them unless you do a lot of off-road driving. (or you live in Eygpt) A much more vunerable thing than the sump is the starter motor. Whenever you go over a speed bump it is literally millimeters away from the road. I have actually had a starter motor snap out of the housing, and break in two!
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