I agree with that aspect of skid plates. Steering and suspension hardware should be protected because they have to be where they are at to do their job; the rad however, shouldn't be there to begin with. I feel like I shouldn't have to install something to hang down to protect something that doesn't have to be hanging down. Ideally, a raised rad and an up high and tight skid plate would be the best of both worlds. Although I have never broken a suspension or steering component; it could still happen. In fact, I have only twice had mechanical failure while wheeling and had to be towed out only once. The first time was with the 84' 5.0, I kept the 5 speed in it originally when I put the 5.0 in it and on that day it decided to blow into pieces while a couple of miles back into rough country. That day is an entire story in itself. I still only needed a tow out of the rough area that I was in. I had a functional 3rd gear and high range to get me home. The other time that I had mechanical failure, I was taking a 43' Willis out for a test run after putting a modern oiling system on the motor and ended up ripping a brake line off on a rock. With no brakes I still drove home, just really slow.
I have pictures of both vehicles. I just have to find them, then I will post.