They aren't extremely expensive, and pretty easy to install.
Not going to protect you from a 'major projectile' but deflecting some debris might be all it takes to save your bacon.
I've got 'em on the way, just not here / installed yet,,,
Very true, the belly pans aren't made from armor plate. I think most are made from 22 gauge aluminum. They will take a beating. The other down side is; Some riders claim that it makes the bike run hotter because it traps a lot more heat in the engine compartment. I have no knowledge of this, but I have heard folks complain about it.