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I'll have to dig into it more sometime. Munro said just the opposite of the Model 3, that the pack itself provided huge strength and rigidity to the car, so much so that he can't understand why the frame was built so strong. Apparently Munro felt the cost could have been reduced to have the battery pack provide the structural rigidity.
At any rate, I haven't heard of road debris causing fires yet on the 3. The S had the shielding installed after a couple of fires causes by punctures to the undercarriage, one of which was caused by a high speed chase and crash.
Most of the risk is borne by the insurance company and Tesla if there is an unreasonable fire danger.
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