You have read incorrectly, factory jobs are often average at best unless it's a Bentley. Also your car probably has been resprayed and repaired during the final finish production process anyway.
Absolutely baloney.
If most factory jobs can be described as average, most bodyshop repairs can be described as hilarious crap.
Most factory jobs are head and shoulders better than most bodyshops. They have the best equipment, spraying onto brand new parts, in extremely clean environments.
I was speaking to an excellent car sprayer a couple of months ago and he was telling me how getting a good finish in a bodyshop is so difficult. The preparation has to be absolutely meticulous and he said if someone has used some of that dashboard blackener, even months ago, the silicon in it just goes absolutely everywhere, including onto the panel that has been prepped, compromising the final finish and longevity.
This is the same for any sort of oil, grease. Moisture and temperature fluctuations are also an issue, which factories do not have to worry about as the spray areas are so clean.
Not to mention, the factory uses all the same paint, from the same batch, to paint the entire car. Unfortunately, for every paint code, there are absolutely loads of variants, which are very subtley different due to the different factories they have been made at over the lifetime of the model and the different components that have gone into them, which can never be replicated to 100% match.
In answer to the OP, i'd probably just ignore the little stone chip and ask for the 5 year warranty. You'll be driving it on the road and pick up hundreds more of these stonechips in the first few months of ownership.
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It'll get chipped on at least half the panels within the first year at any rate