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the wide rear flap clears the pavement by about an inch
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General guidance is that if you have a solid "mud guard" flap it needs to clear the pavement by 6-8" ...if it is lower than that it will tend to sweep up rocks and debris and cause MORE damage to your toad than it prevents. The "hula skirt" type seem to do the most good while causing the least damage.
There is no real standard for hitch height, though most simply come off the frame and they you have to use a drop/lift to get the towbar/trailer within 4" of level. I have to use a 4" drop on my hitch to get the towbar to my Honda Odyssey close to level.