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It all depends on how much you lower, how bad your roads are, and how well you can drive.
Around Boston, most people who drop more than 1.5" will scrape just about everywhere. I've been to San DIego and Florida, where you could basically get away with dropping your car to the ground without worrying.
I have friends with 6's who can't get into my driveway without scraping and they're only 1" lower than stock.
As for ride quality, you'll never be the same as OEM - Coilovers are the closest thing to the feel and quality of your regular driving, while giving you a good drop, but they cost $1000+.
If you get cheap springs that lower your car, you'll most likely feel every pebble on the road, but you'll also have stiffer handling. Coilovers allow you to adjust to your liking so you can get the best of both ride quality and handling, with the drop you want.
But not many of us have the $$$ to afford those. Most people can live with the slightly less-comfortable ride in exchange for the better look of a lower car.