mine came with all 4 skid plates, some people say they only get 3 but not sure which or why, jeep brochures still state 4 skid plates. best to look for them all because everywhere i went, the 3 front ones got a workout.
as for stock, it is OK, even did some things i thought it wasn't possible, especially with the stock crapyear tires.. lost knife mud was a challenge for me but after getting stuck i managed to make it through. even surprised my dog who went back looking for me thinking i was still far behind.
the rear of the libby is nice and high but the front is quite low. other than the flat tire, only damage was a few stripes. the winter run caused a bit of damage from the tire chains though.
best thing about where i have been is the hardest parts had an alternate route to go around.