I'm on the side of keeping the paint as is, and spending money to detail and repair.
People shell out thousands for pff, and then still need to repair it when it gets damaged.
I could have my hood and front bumper professionally repainted for less than the cost of some ppf installs.
PPF is not "thousands". A decent front bumper / hood / fenders / mirrors job should cost $1,500 max. How much would you pay to paint those panels? Not for less than that. And yes, you need to repair it when it gets damaged, but your paint is still perfect, usually. And if you do paint the car, you'll likely take a hit when you sell it, costing you even more money. Finally, if you have the pearl white, good luck getting a match!
If you're talking a whole car PPF, with edges wrapped that's $5k or more then yes I agree to an extent.
Not sure how the Model Y is but I'm VERY glad I have it. I've had it on both my Model 3's and with the front end being so low, and me doing so many miles, it's unreal how many strikes I see that the PPF has saved me.
On the other hand, my wife's Cayenne didn't get done, and it's got 93k miles on it. It's lighter, so you can't see it as much, but it definitely has a bunch of rash on the front.
My 911 has no PPF but I don't drive it many miles. Probably would make sense to do so but I'm too cheap, lol.
SO all depends on how you're driving it, where and for how many miles. Put count on re-painting a car to get rid of chips? That's not a good plan.