Belly pan - Yeah, I think it's a "must have"

[53driver]

You should only have to take off the small front section to change oil and filter. Mine is the same type as yours.

You are 100% correct.
However, I pull the whole thing off every oil change so I can do an inspection and cleaning of what's going on under there.
Also bend it back into shape as required.....

Cheers,
Steve