I was also in this camp. Never have had or have seen the need for PPF.
I have a '21 M3P and the paint on the front bumper, hood, rockers, snd lower rear doors is just trashed. Low mileage car (13K) at 2.5 years but my commute is high speed highway and regular debris from yard companies, trucks, etc. has just decimated my paint.
I don't think it's a paint quality issue, but more of an aerodynamics and lack of plastic/grill thing combined with rocks flung up from sticky summer tires.
I'll be trading up to a Model S sometime next summer, and I'm 95% sure I'll go the PPF route. I just can't stand seeing the white primer spots all over my rockers especially. Trying to figure out if I go front end only, or full car at this point.
My biggest fear is install errors. And I don't like the lines, but I like rock chips even less.