I don't care whether you have boards standard tucked or no boards at all, going through the smallest little puddle results in crap all over the rear fender - Newtons Law of SSR Gravity possibly - HaHa!
The tucked boards help in cleaning IMO - tough to get the fingers down on the standard boards to get below the door - possibly a wife with smaller hands!
I always wear runners and a problem for me was getting my left foot in without leaving a white scuff detail on the board - less problem with that when tucked - of course those little scuffs are easily removed just in the next bath.
I sold my last Vette because I found myself crawling out on my hands and knees at home - nothing you want to do in public!
A reason why I refer to the SSR as a much more functional old farts Corvette
Ingress/egress is much easier when tucked.
Somewhere I have a picture of an SSR w/o boards and a 4" hole in the rear fender
Most of us would never drive ours to put us in that position - someone did, but a reason to have the boards
Boards will save on wear and tear rock chips on the rear fender protectors