I know people who've hit stumps and logs and hard ice balls with their belly pan under the chaincase/QD.
I'd hate to impale those gears and belt with something.
That being said...what's worse?
--Pushing the plastic belly pan up into the QD...that will retreat when the pressure is taken away.
--pushing a rigid metal into the gears that doesn't retreat when the stick/log/ice is taken away. Metal bends and doesn't flip back into place.
BUT, it takes more force to push that metal skid pan than the thin belly pan. It takes a big impact to cause the skid plate to fail. If something is strong enough to fold that metal, it's going to be a BIGGER problem if you have didn't have anything there at all.
Hard to say...
I went with the skid pan.