I’m OCD with my bikes so they get covered in tape and polished after every ride!
Not had any chips yet but the rear hose did wear through the tape on my headtube after riding solid for 3 days in Scotland. I also use a Thule 561 fork mounted carrier so thankfully I don’t have to worry about frame rub, and the bike seems to be more secure.
Don’t get me wrong, if I scratch it when riding then so be it, afterall, I’m a mountain biker in the uk and the weather doesn’t help! I just hate uneccesary marks that can be avoided. (Cue further abuse!)