Maybe i'm just getting older and less anal. Maybe it's because I can't spend as much time washing my car and detailing constantly, to obsess over the fact that all that hard work goes to waste when it rains, snows, or I get rock chips.
I've grown to accept that paint chips are just going to be a part of life. The MS3 particularly does sit on the rather low side of most cars, and it's just going to happen when you drive such a smaller, lower car.
Save your money on a clear bra, and put it towards a fresh new paint job in 5 years. The clear bras are just as annoying to keep clean and fresh, and don't forget that it won't stop a huge rock from ruining your bumper anyhow.
I share the passion of keeping your cars looking brilliantly clean, but it's one of those things only you will notice, so relax and worry about other things, like not getting pulled over for having too much fun!