Properly designed skeg mounted rudders are IMHO the best compromise....
BUT even then, if you hit something with the rudder, it can result in dislocation of the bearings and leaks
at the gland....
The same impact with most spades would wreck them.
Our yacht DIVA with a large rudder on a skeg and a deep fin keel was the most directionally stable yacht I've ever sailed on...windvane self steering
worked perfectly...and when we did inadvertently back onto a corall reef and hit the ruddr in Vanuatu
, all that happened was that the gland leaked....repacked it, retightened it, no problem...didn't even have to haul out