And then plans change....
You have a point, the steering is in a place it isn't well protected and a hard rock hit there could mess you up big time as to the steering. It looks pretty rugged, but, you're right of course, it's exposed. So there's a case for front skid right there.
The thing is you go up roads and you're like the first 4 or 5 creek crossings, piece of cake, then they start getting worse and your mind says, well, those were effortless, doesn't seem like I'm taxing it much or even close to what it can do. Obviously if you are up a road you want to keep going. But you also want to get back, so where is "a creek too far"? I don't know yet.
I would tend to be less worried if I had the vent tubes up from the diff's, and front skid, and rear diff skid. To start with. And tires (diff thread).
It doesn't help if other half is like "your truck can go right up that, just go for it". That's easy for her to say, it's not her truck.
My firewood guy does mainly welding/ironwork, he welded coal cars for 15 years, he can make anything, so if I knew what the rear diff skid should look like and it's not a market item I'd probably have him make it.
And no matter what I do I have to accept that there will be trucks with huge tires and gigantic lift that are going places I will not be able to go, unless I do more upgrades and even then it will never be a cliff climber. That's life.
It is perhaps a factor of getting into 4x4 that what you think will totally satisfy you turns out later to just be a tease into what you could really do.
Rambling... but you get the idea.