Stone chip itself is so small that it will be unnoticed until there are already visible rust bubbles.
Has anyone seen something similar and do you think it's 100% my fault? I suspect that thin paint could be main culprit and if that is true, then VW could pay for the repair (2.5 year old car). Service center/dealer was very unprofessional - they didn't even photograph my issues and told me that stonechips are not their problems.
This is one of the problematic places: