I have glass coverage with $0 deducible from my insurance company as long as it's only one claim per calendar year. If you carry glass coverage insurance, I would probably lean towards the clear bra to protect the paint. If not, I would add glass coverage to your policy. It's probably cheaper for a year of coverage with no deductible than to get a bug deflector.
In either case, I would go for the bug deflector anyhow, as they ...well...deflect bugs lol
My two copper coins!