Hi Andy,
Don't count on me being an expert, but at least did a muddied rally car a while ago, which was quite fun and might be applicable.
For both the undercarraige and the windshield I used airbrush first , followed by flicking a toothbrush's brisles (to create some more "rough" splettering for a better effect). And I simply mixed some Tamiya acrylics, brown, yellow and I think a bit of white till happy with the colour.
And that's about it... Enjoy yourself and don't be afraid to expiriment. And remember to do some testing first!
Best of luck - keep us posted.
Now, over to the real experts...