If you look at the front angle of the guard and the angle of the track they are almost the exact angle, with the lugs being lower than the guard, meaning you would have to miss the stump, rock, etc completely with the track to hit the gaurd. I think it would have to be a freak occurrence to actually hit the guard.
As far as clutching changes, I have had to do minor clutching changes, just because I chose the 2:14 gearing. I love playing in the trees and river bottoms and wanted to have that instant snap of the throttle. I am pulling heavier weights and a steeper helix. Really trying different helix's now. I am still working on clutching at the moment, getting close but not perfect.
3 qd belts at almost 200.00 a pop, you are a quarter of the way to owning your own cmx system. I could not be happier with the belt drive system. I have no worries what so ever about a belt breaking or the track shaft falling apart. It's a great piece of mind.