How bad do I need to replace front belly pan kit?

I need to replace parts like this: https://www.turnermotorsport.com/p-8325980-front-belly-pan-kit/

Would it be ok to drive around awhile without fixing this.

The front under tray is designed to help extract heated air from directly behind the oil cooler and prevent rocks and debris from entering the engine bay. Mporium and Turner Motorsport offer replacement aluminum under trays to increase the longevity of the tray. I personally would not drive my car without one.

https://mporiumbmw.com/product/mporium-aluminum-undertray-replacement-2008-2013-m3/

I use the mlt engineering one and it's fantastic

https://mltengineering-design.com/products/skid-plate-front-belly-pan-cover-kit-for-bmw-e9x-m3

We see a lot of cars driving around without the undertray parts. It won't cause a breakdown but it's not ideal as it leaves your fender liners and bumper cover without support. It also prevents proper cooling, leading to higher oil temperature.. Check out this thread:

https://www.m3post.com/forums/showthread.php?t=1439553