So you're talking about the splash guards that are hanging down low...as seen in your avatar. I'd say those are going to take a beating hanging down like that. If they fell off, I'd say leave them off unless you need them by law. I have splash guards for running on the road only. Off road, remove 3 screws from each and they're off.
Oh, I see...that ain't right! Could there have been some clips missing from the factory? I've seen fender flares get ripped off, but not by mud. You might want to replace the plastic clips with some screws and fender washers. Or carry some extra plastic clips in your glove box.
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