I have one on mine, clipped it a couple of times but nothing that would've caused damage to anything, I modified it a bit to change it's angle so doesn't hang too low. Serves as protection for the winch too as mine is mounted between the chassis rails behind the stock bumper.
If I left it off would I think 'oh bugger I best stay on tarmac' erm no I'd prob just carry on and not even think about it.
I have just refitted it along with the gearbox bash plate as going out laning/camping all next weekend with my daughter and we're going solo, prob get nowhere near it but it's there.