Not sure this would have prevented the issue but on my skid plate I rolled a lip across that gap to protect that areaAbsolutely have a skid plate,. It came through where the wire loom runs into the floor section. Looks like the tire may have pushed whatever it was towards the inside and it hung on the flat corner of the tunnel. You can still see some of the wood on the wire loom here:
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This is where it came through. Skid isn't going to stop that. You'd need to have something covering the firewall and into the tunnel. I'm going to add some protection to that area for sure when the new floor panel comes in:
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Kinda tough to see and not something you can add now.