In line of sight communication height is always king.
Fender mount will work, just not as well as it could up top. I switched vehicles and went from a roof mounted antenna to a fender mount and definitely noticed a difference in receive and transmit. Not only due to height but also likely due to the ground plane being on only one side of the antenna.
For GMRS even a 5/8 wave antenna is only about 16", 1/4 wave is about 6". I have had 1/2 wave (≈40") and 5/8 wave (≈50") 2m antennas on the roof of my Jeeps not to mention a 102" whip and smacked them on trees daily for the last 5 years and never broken one. If you are scrapping trees low enough to break off a 6" or even a 16" antenna you are probably going to loose the RTT.
All spot-on. One thing I'll add, though, is you sometimes have to be aware of construction. A 1/4λ antenna naturally matches the coax and radio impedance and as a result needs only to be physically in contact. So mechanically they are usually very simple. A 1/2λ will need a matching network built in the base for impedance transformation, so are mechanically more complex. Same to some extent with 5/8λ.
The reason I mention this is if you look at the bases on the different antennas you'll some are more suitable for roof mounting.
For example, in this photo taken from Google, you'll see the Larsen NMO 2/70 in front. I run that antenna at the base of my windshield but as a roof antenna it's got some drawbacks. The base in a few inches tall and the whip can only flex so much, so you have to be aware that you need about a foot more than your roof height for clearance to prevent you from breaking the base or stripping the antenna off the roof.
Compare that to the Flexiwhip and Larsen 1/4λ whips that I had on my old truck. In this case it's only an inch or two of clearance necessary and even if I did happen to scrape they were so close to the roof that they were very unlikely to catch anything.
So I never felt I needed springs on this whips (especially the Flexiwhip, which is tough to hurt). But for a 2/70 I would consider a shock spring at least.