Just chiming in with my personal experience with this... I started getting a constant pitch hum starting from 60 and hitting max volume at 80. It was coming from the front left and I thought it might be a wheel bearing, but I noticed the noise got louder with gusts of wind. Turns out it was in fact the underbody tray.
I have always been missing one or two of the underbody screws, and the last time I dropped the tray, I didn't put one of the screws at the corner behind the left wheel, near where the wheel well liner is. This let the panel drop down just enough to vibrate in the wind.
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