Completely agree that this looks nothing like you’d expect to see from stone chipping. It’s definitely worth getting an opinion from a good insurance approaved body shop. They will have tools to measure paint thickness as well.
Agree too. I’ve never seen stone chips like that before. All in a line on an edge and quite large too by the looks of it.
Don’t go for touch up, that’s a cheap option by the Garage and because if age I’d be looking for a respray too.