I’ve mentioned this before but worth reiterating: the sump guard, and several other underbody bits, respond well to being regularly rinsed off with the jet from a hose (not a pressure washer: that’s too powerful). This keeps any build-up of mud at bay. Also the car being used frequently, and far enough to get fully warmed up to dry things out too. Low mileage, low use cars seem to suffer more in this area? My 2018 plate was rusty, yes, but surface rust and where off-road use had removed the thin paint. When I took it off to paint it there were visible tide lines in some of the pressed depressions, showing where water routinely sat in it. Also, the tray should come off annually as part of the service, so any deterioration should be seen long before the tray rots to the degree some seem to have done? (Next time mine comes off I intend to drill some drain holes in those low points).