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I have always been too worried about dents and scratches. But recently got into a 5mph fender bender which pretty much nullified any of my efforts over the past 4 years. So just remember, even if you keep your car bubble wrapped, you could still mess it all up from not paying attention for 1 second.
One thing though you have to learn is to roll with it when bad things happen. A rock chip on your hood and bumper seems really bad at first, but after you get a few thousand of them it's not so bad. I found I could just paint over all of them with a $50 Dr. Colorchip kit in that case. And dents are't so expensive once you've racked up a few of them, my dent guy will pull 5 dents per panel for a set price.
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