Method wheels? what size tire?
I use 18" M3 Aero wheels with BFG 255/55/18 Trail-Terrain tires, which add sidewall and 1/2 inch ground clearance. (Yeah, so all of 7" with those wheels)
But my off-road is limited to a dam spillway no more than 1/4 mile wide, so that wheelset only gets used a couple times a month.
Lots of pointy rocks (the spillway pushes all manner of rock around, and they're not smooth), but nothing of substance.
What I have hit has been minor and I see no reason to jump on an aluminum skidplate. Before I got the MY, I thought about it but experience says not needed.