Any moving parts will cause heat and around a plastic tank thats not good. I've seen cars that high centered so bad that motor and transmission mounts are moved back through the rubber 1/2-3/4'' which caused driveline bind. With minimal clearance around a gas tank thats just what I want to drive around in and metal is a lil harder to rupture than platic. Car company's do build death traps I seem to remember Fords Pinto and it was a all metal car compared to vehicles nowadays.
Most metal tanks have a heat sheild over them for the heat transfer reason. We use the Crown Vic because of the full frame which makes them handle impacts alot better. I've seen several impacts on them and only one where the gas tank leaked it was a rear collision at over 85mph.