..for 2008 the Titan comes standard with skid plates on the gas tank and oil pan. wondering if the oil pan plate also protects front end/steering components. And how exposed is the lower radiator and x-fer case?? For moderate 4 wheeling on maintained dirt roads are the skid plates on the x-fer case/radiator really needed?? Is the Titan's ground clearance good enough to keep it out of trouble for non trail blazing 4 wheeling?? And what kind of x-fer case is used in the Titan?? Is it similar to Dodges New Process case which fits tight between the frame rails rather then hang below the rails??