Will these skirts block jack point access?

No. The two-piece design positions the seams and mounting points to preserve factory jack point locations. Confirm your lift points before installation to be certain, but the standard design does not obstruct them.

Do these affect ground clearance?

These side skirts add minimal extension below the body line. You won't lose meaningful ground clearance, but be mindful of steep driveways or very low approach angles if you run lowered suspension.

How much road debris protection do FRP skirts actually offer?

FRP is tough and won't dent like plastic, but it's not armor. Side skirts primarily add style and aero definition. Stones and curbs can scratch or chip them — that's true for any side skirt material. Plan to touch up paint as wear occurs.