I had gone to Faridabad and trust me we really don't want any vehicle to drive on those roads leave cars. I did not bottom out on those roads (before crossing those plung pools even some bolero driver also stopped and then crossed with atmost precaution, I did the same and car cameout unhurt).
I travelled alone. I have crossed one of the biggest and nasty hump in south Delhi infront of Vasant Vihar Thana so many times where maruti swift, wagon R, i20, i 10 and sedans all cross in 1st gear dead slow. So far I have not come across any problem.
I believe Figo'slow planted stance produces optical illusion. Tyres are same in some of the cars in the segment.
Here are the tyre size and suspension type:
1. Fabia: 175/65/R14,
Front: Mc Pherson suspension with lower triangular links and torsion stabiliser,
Rear: Compound link crank-axle
2. Volkswagen Polo: 175/70/R14
Front: McPherson strut with stabiliser bar
Rear:Semi-independent trailing arm
3. Ford Figo: 175/65/R14
Front: Independent McPherson strut with dual path mounts
Rear:Semi-Independent twist beam, Coil springs
4. Maruti Swift: 165/80/R14
Front: MacPherson strut and coil spring
Rear:Torsion beam and coil spring
5. Nissan Micra: 165/70/R14
Front: McPherson Strut
Rear: Torsion Beam
6. Hyundai i20: 185/65/R14
Front: Mc Pherson Strut with Gas shock absorber Gas-filled
Rear:Couple Torsion Beam Axle with Gas shock absorber
7. Tata Indica Vista: 175/65/R14
Front: Independent; lower wish bone; McPherson Strut with Coil Spring
Rear: Semi-Independent; twist beam with coil spring and shock absorber
8. Fiat Grande Punto: 175/70/R14
Front:Independent Wheels suspension with...Mcpherson struts, double acting telescopic dampers with stabilizer bar
Rear: Torsion Beam double actiing telescopic dempers and stabilizer bar
Tyre Size: 175or 165 or 185 is width of tyre, Aspect ratio: Is height of sidewall: 65 means 65% of width i.e. 175 mm. For Figo this is 113.75 and for 122.5 mm. this is less than 1 CM.
Figo and Indica are somewhat similar kind of suspension set up.
I believe what u have read about mud flaps getting damaged is partly due to hard plastics and partly neglegent driving. Indica have no problem with ground clearance then, Figo shouldn't have either. Idica's are driven on worst possible roads across the India.
If you have decided to go for Figo then go ahead and get your beauty. Dont forget to get Titanium kit which have Alloys (are 8 spoke fiesta wheels and look superb), Front fog lamps, side beadings, seat covers. Fabia's five spoke alloys are bland and boring.
Buckle up or pay with life