Just trying to follow the logic....a stone chip on day 1 on the way home from the dealer...not much wear/tear otherwise by then. Chips can happen anytime, so not sure of the connection to the age of the vehicle?
Is the cosmetic aspect of a stone chip worth the cost of wrapping? Will you have to sell the car just after the first stone chip on day 1 (and then worry about the depreciation incurred), or are you going to hang on to it until the lease expires (then you don't care, since that is normal wear and tear) or longer term (after 5-6 years the interior is worn out). I loved my beautiful 650 XI, but one week into ownership someone put a dent by opening the door into it. I survived the heartbreak - and by the time I returned the car there were some other minor blemishes to keep the dent company.
I look at the cars overall, and don't care much for small imperfections. If you are like me, you don't care about a stone chip. Hence not willing to pay for wrapping. The only time I look at my bumper is once a year when I put the Minnesota tax sticker on the license plates. You probably guessed that I am not hand washing the car either.