Instead of a belly pan, how about an air dam for the front to deflect air from hitting the underside of the truck. It may not be as good as a belly pan, but it seems much more simple with the belly pan concerns you've stated.
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1988 F-350 4x4, 5" lift, 37"s, 4.56 gears, C6 3spd auto, 1973 468c.i., 10MPG
1968 Ford Falcon Futura, 200c.i. I6, 3 speed auto, 2.50 rear
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