Cant speak for other Fat tire makers but Rad doesn't come with puncture resistant tubes/tires. Appears most manufacturers, from my research, use the lightest, read thinnest tires to reduce weight. The tires that come standard on the Rovers really isn't any protection in southwestern trails of any type.
I've emailed various tube companies but got vague replies.
I'm ordering mongoose tubes because they are a little thicker along with Mr Tuffy 4XL liners. Got the larger ones to try and get a little more side protection.
To me the tannus armor is only a foam barrier and a smaller tube that makes the distance a thorn or nail have to penetrate be longer. That not protection thats distance/thickness which is what puncture resist tubes and liners are for a much lower cost. Plus again the cost and I'm seeing comments from folks on various bike sites saying it causes more rolling resistant issues and they still get flats maybe less but they still get them.
I'm seeing more and more folks change out the tires to more knobby styles here for protection. In my opinion the spacing on the Rover tires between knobs is too much and there isn't enough tread depth on the knobs. After trying the Mongoose and tuffy combo. I may go that way also.
In Colorado we have more thorn resistant tubes on shelves than normal tubes for a very good reason, goat head thorns.