I'm just changing to a Polaris White XF, from a Mercedes C320CDI. Living in Australia must give the worst roads for grit, chips, etc. I just hope I don't have the problem. My Mercedes is 5 years old and there are no chips whatsoever and the paint finish is immaculate. However, the windscreen has been shot blasted by the gravel on OZ roads. This shows that modern paints can stand up to the job. However, my previous car (another Mercedes) had terrible paint with lots of chips and faded paint. I know Mercedes recognised this problem and changed their paint for the later models. Maybe Jaguar have done the same? (Fingers crossed.)