when I was an initial owner I looked into a clear bra. I needed a custom one for the Mondial T as there are none readily available.
Time went on and I have lived very well without it even though I know, when I hear the rock hit, that there is another ding on the front. After many years, when I purchased my second Ferrari that had easier issues to cover  I still thought about it, but alas as others, it detracts from the looks, it doesn't help against the big items, and is much easier to touch up.
I'll post later, but, the 456's front looks like an old timer in much need of a color touch up: Think Grecian Formula
I put these two cars on the bucket list for a do over at some point which will bring back all the OP's original thoughts, once again, as to a cover up or not: I will not.
Somehow it feels more like I am driving them and knowing that maintenance is part of ownership...albeit, EXPENSIVE.
Yes I still cringe at a hit. It isn't the coolest to see the chip when others want it to look good. But, to a driver, it seems......right.