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Yes, gutters can still get clogged even with gutter guards installed. While guards significantly reduce the amount of debris that enters your gutters, they are not 100% effective.

Small debris such as pine needles, seedlings, algae, small leaves, and pebbles can pass through the guard's screen or mesh and accumulate over time. Clogs can also form if the guards themselves are not cleaned and become overwhelmed with debris on top, preventing water from entering the gutter.

If this buildup is neglected, it can lead to clogs, water leaks, mold growth, and even plants sprouting from the gutters. The primary benefit of gutter guards is not the complete elimination of maintenance, but a dramatic reduction in how often you need to perform it, often from several times a year to just once a year or less.

Underground downspouts refer to the sections of downspout extensions that lead away from your home and gutter system. While they cost more than traditional extensions, they can provide several benefits, such as less frequent damage and no need to move them for lawn care tasks. Whether they're worth it or not depends on your budget at installation time and how much convenience they'll add to your situation.

Any small amount of standing water can be damaging to your gutters. It’s recommended that a ¼ inch puddle or more should be addressed. Failure to keep water from pooling in your gutters can result in clogs, algae growth, and pests that damage your gutters over time. 

The most common problem with gutters is clogging from debris like leaves, blossoms, and seeds from surrounding trees. This debris can block downspouts, leading to improper drainage and water overflow.

Other common issues include:

• Leaks and holes, which can often be repaired with gutter sealant or caulk.

• Rust, sagging, or detachment from the roofline.

• Damage from strong storms.

• Improperly pitched gutters that don't drain correctly.

Regular cleaning in the spring and fall is the best way to prevent most of these problems. You may need to clean them more often during periods of heavy leaf fall.