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Like the first response said, you want the factory wheel well guards in there to protect your car, not necessarily the filter. You have a lot of wiring above the tire that is critical for the operation of your car - you want that protected.
There is no problem for a bit of water to get on or in the filter. Heck, people specifically inject water into their motors in turbocharged applications (small amounts, but definitely noticable amounts!). Unless you completely submerge the filter, you will be fine. You will still want the stock splash gaurd on there to keep the filter from getting dirty to fast...
-Charlie
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2003 Impreza WRX Wagon 5spd - 2.2L stroker + other goodies
1989 Camry Alltrac LE 3S-GTE 5spd - SV25/ST205 hybrid
1990 Camry 3S-GTE 5spd - parted out / junked
1990 Camry DX 3S-FE 5spd - The original white90dx; gone but not forgotten
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