I would certainly expect the debris problem to worsen if you lower the boat. I don't have a problem with the issue in my particular usage. But you can still enjoy the independant suspension

and the shock absorbtion of the torsion suspension without lowering the trailer if you wish. It would require that you add blocks or other spacers between the torsion bars and the frame.

I travel little and use a launch ramp a lot. Being lower will allow me to launch without having to back as far into the water.

Also, having a lower boat on the trailer makes it a lot easier to prepare the boat, work on the boat, etc.

GARY