I have not yet read the replies, but here's my background and input:
I've been working with vinyl since I was 16....and have almost 20 years of experience with wraps/signmaking.
If you are using a reputable wrap material from a known manufacturer (Avery Dennison, Arlon, 3M, Oracal, etc) you will not have any issue of paint separation unless there was already etching beginning, clearcoat chipping, etc, going on.
Additionally, a good shop can remove the film without issue. The angle of pull when removing vinyl can vary from vendor to vendor, however, all of them require heat to release easier. I've pulled wraps off cars that have been on the paint over a decade without harm. Granted, that type of situation is extreme and taking precautions saved the underlying paint (which didn't matter much as he needed to repaint anyway with 10+ years of fade to the exposed paint and little to none where the vinyl laid).
If you remove the wrap within 5-7 years (most manufacturers warranty and recommended lifespan), on good paint, you will not have any issue.
Both cars completely wrapped