Welcome
@terilees
My wife is a retired teacher too! I empathize with you while I am thinking about all the times over the years when I've unwittingly damaged my car ... like the time I put the lawn mower in the car trunk to take for repair ... and ... wait for it ... forgot to push the garage door opener before backing out of the garage. Yep! ... I tore up the garage door, the lawn mower, and the car! Oh the pain!
Now as to your situation: Drawing on my own experience with maintaining cars; for years I tried to save money by avoiding what I thought was unnecessary general maintenance and/or repairs. And it took many frustrating expensive episodes to finally learn in the long run I always come out ahead in every regard by servicing my car as prescribed by the manufacturer at the brand dealer. And I found this to be especially true with our Lexus vehicles.
For example: The air conditioner fan in my ES started making a slight vibration noise. I hesitated to get it repaired. It still worked, but I would have to tolerate the irritation of the noise. I just assumed a new fan would have to be installed, which with parts and labor could be quite expensive. I decided to inquire about a repair when I took the car into our Lexus dealer for regular maintenance. Well ... to my surprise ... the vibration noise was repaired for $20!
Not knowing where you live, I can't speak for the reputation of the Lexus dealer who would service your car. But I would be willing to bet that dealer would be your best bet. It is my hunch the function of this 'dust cover' is more important than the name implies. If I were you, I would not risk a make-shift repair by a garage mechanic who is not familiar with the RX 350.
Bottom line: I would recommend you take your RX to a Lexus dealer. Maybe one of our enthusiasts can offer you more specific advise. Regardless, I wish you well. Let us know how things work out ...