IMHO the oil filter location is basically OK. Anyone who has had to open up a spin-on filter knows that metal housing is tough as hell! At least on all the ones I've had to open and inspect. They all required a tough as nails special cutter (expensive) to get them open.
Any rock thrown by the wheel shouldn't be an issue. It's the ones NOT small enough to be thrown by the wheel but slam into the front that one should worry about
. THey'll do a lot more than damage the spin on.