I agree. Now that stealth has been firmly vetoed by my wife, I am leaning toward partial PPF too. Leaving the question of whether any of us can afford it or not (as entertaining as those discussions have been), there is a question of value and ROI for each person.
Opinions differ a lot here and for me personally, I haven't had an issue with chipping or dents in general in Southern California in several decades of driving. My driving is all on nice, dry (drought ridden) and warm pavement so I hesitate to even do a partial PPF (but all the time I have had on this forum while waiting for the Model S has made me really want to try it and ceramic even though I actually like waxing my car). Hell, as much as AS v. Summer tires has been discussed here, I don't really understand the issue because we don't need AS tires in Southern California. Summer are fine.
The money saved on the full PPF (admittedly not much) can be saved, donated, spent on a few nice meals (or a watch), sent to kids, or be blown at the tables or the Sports Book when I finally get back to Vegas (which will hopefully be soon). If you are in more challenging areas or a few dings or chips would bother you (e.g. first parking lot door ding), it would probably be worth it for peace of mind.
To each his own and good luck everyone