Undercoat weel whells

I think a rubberized undercoating would be best. I've never liked the aerosol can products from the local parts stores. SEM makes a great undercoating which is sprayed with a Shutz gun (about $20) and is much closer to OEM than the spay can stuff. I have used Raptor liner and it looks good but it cures very hard and would not cut down on noise from rocks as well as rubber coatings. As for repair with a bed liner, you simply would use a knotted wire wheel on a grinder or die grinder and remove it where the repair is to take place. I wouldn't be afraid of it myself and if it is being fixed by a shop, well that's what insurance is for, i.e., to put you back in the position you were in before the accident.