The Types
There are five broad designs and they behave very differently in freezing conditions, which is the question that matters here.
Short answer
Micro-mesh keeps the most out and is the current standard. Perforated metal is a reasonable middle option. Reverse-curve systems work on leaves and behave unpredictably with ice. Foam inserts hold debris and are poor in a freeze-thaw climate. Brush inserts are the weakest option.
The designs
Micro-mesh: a fine stainless mesh over a frame. Keeps out leaves, most needles and much of the granule debris. The current standard and the dearest.
Perforated or punched metal: a sheet with holes, which stops leaves and passes smaller debris. Reasonable value and a sensible middle choice.
Reverse-curve or surface-tension: water follows the curve into a slot while leaves fall past. Works well on leaves, can overshoot in a heavy downpour, and ice behaviour is the question.
Foam inserts: a wedge of foam filling the trough. Debris sits on top and breaks down into it, and in a freeze-thaw climate it holds water. Not recommended here.
Brush inserts: bristles standing in the trough. Debris lodges in them and they are difficult to clean. The weakest option.
And screen: a basic mesh or plastic grid, which is cheap and keeps the largest debris out and little else.
The freezing question
Any guard can ice over. What matters is what happens then: whether the water runs off the front onto the ground, backs up onto the roof edge, or finds its way in. Ask the installer specifically about the winter behaviour and whether they have installed that system on Toronto houses through several winters.
What to ask before buying
What is actually dropping on this roof — leaves, needles, seed pods, granules — because that determines which design helps.
What happens in freezing conditions, specifically on this design.
Whether the system can be lifted for cleaning, because it will need it eventually and some systems cannot.
How it attaches, because a guard fastened under the first shingle course is a roof penetration and may affect the roof warranty.
Whether the trough and the slope are sound, because a guard on a sagging trough locks in the fault.
And whether the roof is due for replacement, because fitting guards first means doing the work twice.
The honest summary
A good micro-mesh system on a sound trough under deciduous trees is genuinely worth it and will cut cleaning to a check every few years.
Perforated metal is good value and a sensible choice where the budget matters.
Reverse-curve is a reasonable system where leaves are the issue and ice is not.
Foam and brush inserts are not worth fitting in this climate.
No system removes the need to look, and none of them addresses ice caused by attic heat loss.
And the money is better spent on attic air sealing first if the house has an ice problem, because that fixes the cause rather than covering the trough.
Common questions
Which guard type is best in Toronto?
Micro-mesh on a sound trough, with perforated metal as the value option.
Are foam inserts worth it?
No. They hold debris and water in a freeze-thaw climate.
Do guards void a roof warranty?
They can where they fasten under the shingle course. Ask before fitting.