My vehicle was re-finished because of clear-coat failure on the horizontal panels. No body damage of any kind, ever. (Ok one door ding

) Due to Toyota's requirement that adjacent panels be "blended" it was easier and about the same ammount of money to refinish the entire vehicle. I de-trimmed it and re-assembled it after the body shop was done. Toyota paid for the refinish as a good will ( they liked me, I guess

) and I supplied the sweat equity in prep/reassembly to get the whole vehicle painted instead of just the affected panels. The body shop did ok because they didn't have to mess around tinting the spots to get them to match the original paint. As it was, they would have painted the hood and roof panel and would have had to blend into the fenders and the upper tailgate and the quarter panels and the windshield cowl. Leaving unpainted the doors, lower tailgate and gravel shield.
So, I traded labor for color on those panels and everybody was happy.....