FWIW, for those curious, here's my X5 after 1+ years of West Coast driving; mostly NorCal freeways, but 4 trips top to bottom (LA to Vancouver) and one up to Whistler.
I do my own detailing so I can tell you where every chip is
I ran the numbers on PPF and, for me, not worth it as small chips are ~$25 to fix and I don't tend to get too many FOR THE FRONT. Swirls aren't a problem if you DIY your car washes and use remotely decent technique. Also, just my taste, but I don't like the "saran wrap" look of PPF, but I do the detailing so I probably notice it more.
Here's what my front end looks like, and I highlighted the one chip I've gotten:
BUT: anyone considering PPF for an X5/6 should do the front & rear doors behind the front wheels, rocker up to the 1st bend line. Like just do it. Right now. Close the laptop and make an appointment.