It is probable that manufacturers use less amount of paint in the name of cost savings. The result is stone chips that go through the pigment layer right into the contrasting primer or even bare metal. There is also other different factors unbeknownst to me that contribute to stone chips that seem to be easily formed. Without performing durability testing such as salt water spray, average Joes like us can only speculate.
Whatever is the answer, I'm going to have clear bra installed on any vehicle I own.
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