I'm not going to be alot of help here, because I'm getting both. My H3 will be going off road as often as possible. In my opinion the rock rails are a must, but the underbody protection is only $400 installed. That sounds like cheap insurance to me.
My advise, do both.
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Rob (Ipedog - Say "Ip-E-Dog")
Black Sheep HUMMER Squadron 
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