I've got another cedar top instrument, and I'd probably go with a clear pick guard. I know finishes can be hard, but the underlying wood (cedar) is definitely not. And, not because I necessarily will make a dent in my guitar, but borrow it to someone else to strum a song or two, and cedar can wear very very quickly. I had an ebony armrest put on another instrument because the cedar top was wearing along the edge where my right arm touched the top/edge as I was strumming.