XLT doesn't have the skid plates, unless you added them. Need to be real careful of rocks as there are a bunch of items underneath your truck that are very susceptible, regardless of which engine you have. There is guy on these blogs name Josh that makes some real nice skid plates. I bought one, good prices too.
2012 Ford F-150 Lariat SCrew | 4x4 | 5.0 V8 | K&N CAI | Magnaflow dual side exhaust | LineX | Roll-N-Lock Retractable bed cover | Remote locking tailgate | HD/FX Head and tail lights | Front and Rear Fogs | FX 20" gray wheels | FX Step Rails | Tinted front windows | Side mirror reflector to LED conversion | Painted grille surround | Weathertech Mats | Aluminum RCi Skid Plate | D-rings in the bed | Bull Rings on the rails