Next in my book is the front guard. It's very affordable and it prevents damage to radiator/condenser. In places i offroad where you have to drive through some water/mud, you're very prone to a large stick or something popping up and getting caught in that area (i've seen it happen).
Ah I haven't seen much water/mud in the offroading I've done so I don't think about that. I'm in the rocks/desert so I drive up and know what I'm getting into. Slow drive up to a rock to crawl over it not a whole lot is going to happen to the front end as long as I'm taking it slow.