Underbody protection / Sealing Experiences?

Hello Together, I have been the proud owner of an XC90 R-Design D5 for 5 days (if it is still to be presented separately, share experiences and photos ) because I would like to keep the vehicle long-term (until now very satisfied), I also think about protecting the vehicle…had it also had so with my 3-BMW, and 24 years driven first think about a foiling to protect the paint, but don’t have to be!? but I think specifically about an underbody protection, or seal. to how far is the Volvo factory protected, is there need? And to what extent? On the Internet are different providers who offer protection for 149 EUR (spraying once with the spray can probably through) and others offer protection for 1000 EUR a professional where each crack, groove is lubricated, waxed and protected. how is your opinion???