Will these panels block access to the jack points?

No. SC-5 rockers are designed around factory lift points — you'll still have clearance for scissor and floor jacks. However, verify your specific lift location before purchase, as some aftermarket suspension setups may need trimming.

Can road debris damage FRP panels like this?

FRP is tougher than ABS in high-impact zones, but rocks and curb strikes will dent or crack it. The material flexes slightly on impact, which reduces shattering — but it's not invulnerable. Expect some cosmetic wear over time if you drive aggressively or in gravel.

Do these bolt on, or do I need adhesive?

These panels bolt to factory rocker mounting points using the existing holes. No adhesive required. You may need stainless steel hardware depending on your fastener preference — confirm bolt size and quantity before assembly.