If I worried about all the stuff that MIGHT happen when I'm out driving or parked, I would never drive. It's the difference between me enjoying my Lamborghini more or less...and frankly the reward is far more worth the risk.
The protections you mentioned (XPel, skid plates, etc) are to protect from things that 100% WILL HAPPEN, not something that MAY HAPPEN, and unlikely with good judgement

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