An overrun coupler isn't going to do too much if you hit something with the mower. That's not what they're for.
The purpose for it is that if you don't have live pto - if you were to push and hold the clutch in on your tractor, you'd obviously not be driven forward by the engine. But if you were to grab the pto output shaft and start turning it - that would drive the transmission just as if the engine were turning it. Meaning you would move forward.
When you're running equipment that has some flywheel effect, like a mower, the blades keep spinning when you push the clutch on your tractor - say to stop.
With the blades spinning, the pto shaft is spinning - which means the momentum of the mower blades is now powering you forward as if you never pushed the clutch in.
Granted, the effect doesn't last too long as the momentum is quickly used up, but when you're expecting to stop,and you keep rolling, it can get real dangerous real fast. Especially if you're stopping for an emergency - like a dog runs in front of you.
So I'd say yes, for a rotary mower I'd use an overrun coupler. For something like a sickle bar mower, they don't have much momentum, so an overrun coupler isn't needed.
You can find fairly inexpensive ones that would be cheap insurance.
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