Annoyingly, we picked up a rash of stone-chips 6 or 7 years ago when the truck ahead started spraying us. None of them penetrated the protective zinc undercoat so they have been left as is. The best built cars in Europe IMHO – have you ever seen a rusty Yeti?
I caught a low wall about two years ago. Again, the shell was totally protected and I decided the marks were too small to respray. Someone cleverer than me might want to touch them up though.