Will these skirts block access to the jack points?

No — the two-piece design allows you to remove individual panels if you need undercarriage access. Factory mounting points sit clear of OEM lift points.

Do these sit lower than stock and affect ground clearance?

They follow the factory body line and do not lower the vehicle. They extend slightly below the door shut line, so inspect ground clearance on steep driveways or speed bumps before install.

How much road debris protection do FRP skirts actually offer?

FRP absorbs minor scrapes and rock chips better than plastic, but it can crack on hard impacts. They're designed for cosmetic protection and style, not full-body armor — expect normal wear over time.