i chopped mine right through the last bit of the bend as it started to point to the rear of the vehicle after the axle.
who have you been talking to as long as the pipe exits the side or rear of the vehicle there shouldn't be a problem. just left open under the car could result in fumes making their way into the car which TBH doesn't smell nice
i had the same problem................forever catching the foooooooker, in the end i cut it off just after the belly pan and left it pointing down.cut it on the bend above - never had a problem since.