Understand where your coming from with how it may rub and cause a bit of chaffing on the paint, i'd personally rather it did that as opposed to getting stone chips as some have a tendency to cause the bar to fracture. Also consider that it goes under the front lip and will add extra padding in case of speed bump scrapes or steep driveways.
Just how I see how it may help, am keen to see if anyone on this forum has one and their opinion.
Cheers.