Not the most exciting topic but-I recently bought a new '05 XT. I don't plan to ever off road it (I have something else for that). I have been holding off on mud guards since the area behind the front and rear wheels is plastic which in my experience is pretty durable. However, I'd sure like some opinions regarding whether they are worth it or not. Also, I know the holes to mount them are pre-drilled in the fender. Do the mud guards come with the mounting holes pre-punched? Thanks!