I've lost a nem to a powerhead once before. No harm done to the corals or the fish, water quality didn't suffer badly either. And this was in a 10g without a skimmer. I'm not worried about my 75g with my beefy skimmer and filter socks. But after I beat a 6 month dinoflagellate plague, not much in my tank scares me anymore. I'll deal with it when the time comes.
Besides, my tank only has MP10s for waterflow, I can't hamper those with foam covers, I need them working full bore to get the flow I need.