Have have had several cars and the XF is without a doubt the all-time worst for front end chips. I dont know what it is. 9xs out of 10, you cant even notice them, but in certain lights it drives me insane. My XF is sort of a DD, so I try not to be too ridiculous, but my volvo is on the highways 3xs as much as the XF and has literally only 2 rock chips. thats it. The XF bumper is cursed. I'm sure down the road I'll take the plunge and get the front end repainted...but it doesnt look so terrible that I can justify spending the $950 I was quoted.