I daily my frs, and i'm quite low. I do scrape, but its nothing that concerns me when its just the underside of the bumper/lipkit. now i dont reccomend going as low as i am unless you are experienced with driving really low vehicles, and the key to getting in and out of places with steep inclines is the angle at which you go in at, the more horizontal you can get to the drive way or incline before you actually have to start turning in, the better.
The roads where i live are quite bad in some places, Especially New Orleans and Lafayette, LA. i don't think you'll have as many problems as you think. I personally cant get in everywhere or turn in every driveway, but i know my limitations and i have never had an issue scraping with stock ride height. even if its a horrible incline, if you pay attention or go in at an angle, you should be fine.
pic for reference on my ground clearance
