I have XPel. I have one chip. Safelite was able to fix it from spreading (I hope) but it is still pretty visible, they couldn't cut off the excess for fear of hurting the Xpel. Because of that they didn't even charge me!
However I do have one chip. I have heard a lot of other hits though with no chips so I think it is doing some good. It is far from bullet proof though.
Another couple of side effects in case people don't know.
1. Rainbows - if you have on polarized sunglasses there are rainbows across the screen. the dealer said mine was worse than usual and it is distracting at times, makes other cars (and wildlife) seem different colors than they really are. I got a pair of non-polarized glasses to get rid of this but I miss how the clouds and distant smoke looks with them.
2. It scratches, pretty easily. They warned me that, over time, I would have scratches on it that may be visible - from the windshield wipers. If you run them dry to get dust off it is more likely. At 20k miles I have already had these noticeable for some months. It shows up as long skinny rainbow "reflections" depending on sun angle. Not there all the time and not too distracting at may ½"=1" maximum width.
I would have said if I had to do it over again I wouldn't - until I see that there is over 1k of back ordered windshields with no delivery in sight. Now I think it is worth it in case it really does prevent a full break.
Let me know if you have any questions.