You're on crack my friend. I've had almost all of my TM's for 10 and + years now and the only ones that are screwed up are the ones that were defective in the first place: TM Rattrap and BM Ultra Jetstorm. Those two figs came from the factory missing the primer. I bought the BW 10th Rattap to replace my original and Jetstorm got some chrome leaf after I sanded him down.
And yes, I play with my toys.
The only difference between the Hasbro and Takara versions are the colors. Whether you figure chips or not is only relative to how you treat them. if you throw your toys around and treat them as if they're Tonka Tough, yeah. They're going to chip. If you TF them, display them, pose them... you're not going to have a problems.
I wonder if my TM2 Scourge suffers from a lack of a primer, as he literally molts chrome when you touch him. And he's the only one that has ever had a problem with chrome chipping out of my collection. The rest have some slight wear, but that's all.