Anybody not using undercoating?

I am undesided myself. I have see cars painted underneath. After being driven they get all chipped up from road debris if you drive hard like I do. . I'm thinking a thin coat of a good rubberized undercoat around an behind the tires nicely taped off areas. This can be touched up without notice. POR15 is the worse, Once it chips it peals off in sheets. It only adheres to rust. Been there.