Well I'm one to say that the full mud flap serves a purpose, and isn't just for decorations. Ours doesn't drag on the the ground aired up. It's about 5" off the pavement. Never have we had any issues with rocks and debris on the three different toads.
Last year we ran over a 4x4 post about 3' long that was in the road. That was thrown out by the rear wheels - hit the mud flap. After pulling over to look for damage the only problem ... Was a bent up mud flap. If it wasn't there it would have went into the MH radiator or through the front of my Jeep.
It'll never come off my MH, but that's just me.