That was an interesting link.
One question I do have after reading it is whether fitting underbody protection such as a steering guard and bash plates for the transfer, transmission and fuel tank would interfere with the venturi effect in which careful design can cause a low pressure area to occur under the vehicle, increasing down force.
While down force isn't important on a 4WD, and the designers may not give it much consideration, it is important for cooling to have a low pressure area rear of the radiator so air is drawn through it from the high pressure area ahead of the radiator, as air naturally flows from high to a low pressure area, trying to equalise the pressure.
So, would underbody protection plates interfere with the air flow? Would cooling efficiency be reduced, or even increased?
I have no idea. Any thoughts?

