I live on 3 miles of steep mountain dirt track before reaching "proper" roads (they too tend to be dusty) so constantly live with mud, stones and inches of dust. Have never experienced a stone in the belt have had one on the head from a passing off roader. I installed a plastic trailer mudguard that encompasses the tyre and goes all the way down at the rear to level with the bottom of the bodywork (that is the secret), that made a huge difference in the amount of dirt and dust thrown up. I then sealed the rear compartment, bonnet and cabin bulkheads using 1/2 and 1 inch water pipe foam insulating strips, this has significantly reduced the amount of dust that gets in. Now I just have to seal the drivers head from the dirt
Bruce 1964 4/4 Series V Comp (Megan) 1994 +8 (Maurice) 2013 M3W (Olga)