Unfortunately, modern paints tend to be vulnerable to stone chips. Like you I do not like or intend to put a film on my cars. I touch up the chips as they happen and call it a day. If you plan to keep the vehicle long term, having a front end resprayed every 3-4 years I feel that is a better option than covering the paint with film. YMMV.
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COL(Ret), US Army Hagerstown MD
2019 X5 40i MSport Alpine White/Coffee (my 13th BMW)
2015 Mercedes SL400; 2009 Lexus RX350
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