I've had the 3M "clear bra" on my smart since Feb 08. I think its a great product and well worth it.
Sure, you could replace a hood panel for less than the cost of the clear bra, but are you going to replace the hood every time you get a chip? And the clear bra covers the bumper and front part of the front fenders, too.
I've already been saved one pretty good sized scrape to my bumper. The clear bra was damaged, but not the panel. The damaged portion of the clear bar was replaced under warranty.
IMO this car attracts chips of all kinds. I just went through windshield rock chip fixes and then had to replace the windshield when a chip grew into a crack.
I wish they had a clear bra product for the windshield!
BTW,
BAGTGG - I was my dealer last night and they had a brabus that is scheduled to get the clear bra installed today, so somebody must already have the template.
