I think you would likely get hung up on the undercarriage more easily as you would on the "armor". The armor should displace any offending object, actually allowing one to slide over it as opposed to getting hung up on the transfer case, converter, etc. Further, I think the armor is to protect the critical components from trail damage as opposed to breaking something without it, thus being left stranded.
All said, I really haven't tested the theory above with mine, despite having the armor. Maybe some of the other true rock jocks on here can add some well-grounded advice to the discussion.
Just a word on the armor - better to have two people installing it than one. I did it by myself and I had to contort my body into positions I didn't think possible to finish the install.
