Agreed.
But a 200 can definitely get you into places where you need additional protection.
Budbuilt aluminum skids are awesome, and would save your equipment in about any case I can imagine. They just get beat up.
Some other factors to consider are that aluminum does get bent out of shape and retains the bend, where steel tends to "spring back" (it has a memory) and aluminum can act "sticky" when doing things like dragging across surfaces like rock ledges, where steel slides more.
To me, it is all about matching the material and thickness to your intended use.
For example, factory "splash guards" on my previous 80s, 100, and first 200 (and several tacos and tundras) were fine for decades for me, but only because I never went anyplace that I needed the additional protection.