I’ve had my current truck for 7-8 years now, it’s on its third windshield and that one has 2 chips in it as we speak. All coming from big rigs kicking up rocks and tossing them at my windshield. At first I didn’t have glass coverage and paid for them, saved $100+ and went with aftermarket over OEM and honestly can’t tell the difference. When the first OEM broke I got estimates from a few places Safelite was by far the most expensive, went with a local glass company. Ended up knowing the installer better then I would have liked, as he ended up coming out to my house twice when I quickly had a rock shatter my new one a couple months later.
Of course now that I got glass coverage haven't had to replace it yet.