Mud Guards how important they are?

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Yup, it really depends on the owner. Some mudguards really do a lot to ruin the overall 'clean' look of the car for the sake of functionality, while some mudguards are not too bulky and even contribute to the overall look.

In my Camry's case, for instance, no mudguard came with the car. On stock rims, the shape of the body and the offset of the rims ensured that not much water or mud or whatever else would splash on the panels behind the tires. Nga lang, when I upgraded to bigger and wider wheels, I just had to bear with the additional dirt behind the said panels. In my girlfriend's Vios's case, we kept the mudguards on (since her car's black and so are the mudguards) even with the upgraded wheels. And since she doesn't get to go to the car wash much, ok na rin, pampatagal na malinis yung oto.

IMO, the bigger rigs built for hardcore 4x4-ing, and SUVs/rides with AT and MT tires should install some sort of mudguard when they're serving on-road duty. Tires like those tend to collect a lot of pebbles, mud and the like while driving off or even on (our clean metro) road and tend to release them toward trailing cars.