You guys are trying to inject logic and rational thought into a situation where those concepts are not allowed. Most conversations go like this:
Me - "Dear, sliders and good bumpers cost way less than repairing the body"
Her - "If you don't take it off-road, you don't need to worry about damaging the body"
Me - "What if someone pulls out in front of you and smashes up the whole front end"
Her - "Insurance will pay for it to look 'normal' again"
And this will continue to go in circles for eternity. I've accepted reality and now I just get to live with it.