As a general rule if there is substrate below the decor you won't completely lose flow. I personally like to put small rockes under large decor to act like table legs. This keeps the flow more even in all areas, but I wouldn't say it is necessary just something I like to do as a rule. YOur major concern comes with vaccuming. If you set up your UGF for conventional flow, it is hard to vuccum under and around large decor. If you set up in reverse flow, this isn't as big of a concern becasuse RFUG requires little vaccuming.
Dave