I have a TRD Sport Premium with the OEM port installed hard plastic splash/mud guards.
I haven’t had a problem yet, but I am considering buying some flexible flaps to give more clearance over rough terrain, and to keep snow/ice from packing onto the hard flaps.
Also, after recently installing...
I drive from Cedar Rapids to North Wisconsin, as well as down to Chicago sometimes, if you have some roof crossrails or the OEM cast aluminum running boards for sale.