So much has to do with the local environment, and what the vehicle has been subjected to...
Most cars coming into my Central Indiana shop need 'some' claying to remove minor industrial falllout.
But, when at Meguiar's HQ (Irvine, CA) last week, every car I touched had 3-4 times as much 'crud' that needed to be clayed. I've found the same to be true for Chicago area cars.
OTH, I just completed an 18 month old Guard's Red Carrera, with only 3,300 miles (a garage/track queen) that had extraordinary issues that clay helped, but didn't completely solve... but, oh, it's RED now!
Use the baggie test, with lubrication. It is a no brainer.
C240: "Every time i wash i feel the debri under the rear bumper and underside of the car"
Sounds like you might have tar and other road crap, that could best be removed (first) by a 'bug and tar remover' or some other type of solvent, b/4 you ruin a clay bar on it. Just a thought.
Jim