Having lost my Imperial Cutter (valued at >1bn credits, you can calculate the rebuy) with around 1bn worth of exploration data on the way back from Distant Worlds II due to a landing mishap (and despite having shields and a non-paper hull), I can say quite definitively that lithobraking has its risks.
Always interesting to read an entertaining tale of woe if you're happy to share it
With hindsight was your loss a result of complacency? What do you think you could have done to avoid losing that hull?
I have an exploration capable Cutter (I don't use it much), it has a C8 shield module (just a bi-weave, albeit engineered & with a few boosters). I believe it's popular to fit a C6 shield (or C5 if legacy engineered), personally I feel this isn't enough for such a drifty ship so my other two cutters (mining, and cargo) run shieldless and I fly them more carefully. All three have reactive hull armour.