No, I wouldn't put one on my car, because my car's oil filter isn't hanging in space, unprotected, 8 inches above the road surface.
Ever see all that crap sitting on the shoulder as you're driving down the road? At one time, a lot of that crap was laying ON the road, until it either got swept off by a fire crew after a crash or knocked off the road by whoever hit it. Rusted out exhaust pipes, big chunks of recaps off tractor trailers, that four inch wide piece of tree trunk that fell off a landscaping truck; any one of them could be laying there on the road, in the dark, just waiting for you to not see it and run over it. I had a debris guard on my V-Strom, which had the same unfortunate design quirk of an oil filter sticking out unprotected like a zit on a teenager's face; there were enough dents, dings and scratches on the underside of the debris shield that made me glad it was there. I don't do any off-road riding (the most extreme would be gravel logging roads, and that's not off-roading to me), so all those dings came from the kinds of roads that everybody commutes on.
A debris guard is a nice extra layer of protection between the road and that vulnerable oil filter and sump. In a way, it's kind of like a condom for your bike. Nobody needs a debris guard, just like nobody needs a condom. You could go your whole life not using either, and nothing bad would ever happen. But, much like a condom, when you encounter that situation where one would have been beneficial, and you don't have one, then it's too late to put one on after the bad event happens.