The non-cosmetic side of the wheel being pointed down and the tire sidewall protruding a good bit further than that seems to prevent actual damage to the wheel. Other people get on harder trails than I do but while I have dragged the spare a number of times (though less than you'd think), I have yet to damage the tire or wheel in those situations. The damage I was referring to was from IMO poor design of the rubber isolators on the spare tire crossmember.. and this damage is going to happen with any movement of the vehicle. Meaning more of it is done on-road than off, given the reality of how most of us use our 200s.
5-tire rotations have an advantage beyond extending the useful life of the tire set by 20%. If you're halfway through your tread life and get a flat that can't be repaired, you still have four tires with even treadwear that you can use for the rest of their life. Instead of sticking a tire in that has full-depth tread, which will be the odd one out, and when you replace the others, will already be half worn. In the event of an unrepairable flat, replace the damaged tire with a new one, keep that wheel and tire in the spare location, and drop it into the rotation when you wear out the other four.