You have to be doing some pretty serious off-roading or rural driving before ground clearance becomes an issue.
I drove an S4 which was already lower than an A4 stock, and had a full aftermarket suspension on it which put it about an inch lower than that, and the only problem I had was the plastic belly pan getting torn to shreds. After replacing it with a steel skid plate I never once got stuck in that car or had a problem with ground clearance.
It was a major pain in the butt leaving parking lots. I'd have to take crazy angles out of the steep ones and I'd 3 wheel all the time.
I don't think I'd ever want to daily drive a low car again because of the hassle, but I'd never seek out ground clearance.
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