My daily is a 99 Beetle. Its pretty low. Maybe 4 inches of clearance underneath. I really have to be careful and drive around roadkill and stuff. I installed an aluminum skid plate about 6 years ago, after knocking out the oil pan for the second time. I tried to straddle a softball sized rock, and Bam! Big mess...
But it really is up to you, and how/where you drive.
I think last time someone suggested being able to go over a certain object, but I forget what it was. LOL!
I do alot of country roads, and highway driving. But I learned to drive in a 67 Beetle on dirt trails, so going off road is possible for me too. You would be surprised where my little car can go!