Thanks for the all the feedback! Very interesting and educational!
The more I think about it, the less likely I think I will commit to a full cage. Helmets for everyone will have to suffice.
One of my main reasons for choosing the Raptor over another off-road truck was cabin space. With a full cage I would just loose too much space for the girls in the back. I would have preferred a much narrower truck over the Raptor, but the girls still willing to cruise with dad in comfort, be safe BOTH off road and on road, helmets seem to be the best option for me. Too many compromises.
I just have to stay clear of any suspension / power mods...used to do a lot of fomula racing and know my limits fairly well - however I always tend to drive at the limit...the lower that is, the safer everyone in the truck.