Here's encouragement for those thinking of under-body panels, and mixing this up with winter driving.
Several weeks back we got about 3 inches of soft, powdery snow at night. Normally this would not be a problem to drive through, but the winds were gusting to 30 mph or so...
On the way home it was already dark, and I turned down an old country road... and suddenly realized the drifted snow is at least six inches deep and the Insight only has 5 inches of clearance, and stock tires.
In the really deep stuff, the car felt like it 'floated' over the snow and did not seem to 'grab' the snow like the old Cavalier did in the same scenario.
Fortunately, the snow was not hard packed, or the situation might have been different.
Knock on wood, but so far, so good.
Jim.