Rock Chips Without Flares?

I've got a SR with TRD SEMA 17s and 265/70-17 Falken Wildpeaks. The tread is just about flush with the body. The tire side lugs are bit beyond the body. I plan on getting some small plasticolor flaps but not sure if going without fender flares is going to result in any damage. Anyone experience this? In the winter, I'll have oem trd offroad 16" wheels with snow tires and these will site in much farther with more protection.

 

I know my paint is all jacked up with chips from rocks, I almost considered putting flairs to prevent this from getting worse but the damage is done. I’d do it before it’s too late, or at least get a good pair of mud flaps like the rokbloks.