I think you need to clarify. In most cases, you won't have color fading unless you leave the truck out in the sun all the time in Florida. MAYYYBE after 20 years in the North you will see color fading, but for those of us that keep the truck in the garage when not in use, it will be fine. My 2014 had little to no color fading, and the hood vinyl and bed vinyls were still pristine.
As for paint damage, that sounds like an installer having no patience. I have had the PPF taken off multiple cars, even ones painted at the body shop post purchase and had no issues with damage. If thats a concern, perhaps you should look for someone else to do the film?
Finally, you're not factoring in deductibles. Many many times, if something damages the film, it would have severely damaged the paint. Now, you're only replacing a piece of PPF, which many times is cheaper than the deductible most people carry.
One more, dealerships are very happy to take a car off your hands with PPF on it because they know 95% of the time, the paint is great underneath which helps their turnaround.