I've had three 5th gen 4Runners in black, silver and white. Guess what? They all chip and so far they all chip about the same. White is by far the easiest to touch up.
I have owned many vehicles in my driving, married and father of two driving children career and so far every stinking one has chipped from rocks. I think I have owned around 33 new or used vehicles from Japan, the US and Europe. Personally I have not witnessed a difference. They. All. Chip. Every color, every make, every model and every year.
Now with that said there is one thing that I did not mention above that DOES make a difference. That would be shape. After owning all those vehicles I know that the more aerodynamic shape of the vehicle the less chips. Also flush mount lights and grille and no flat areas make a huge difference. The least rock chipped vehicle so far I have owned has been a late 2000's Honda Civic. It looked like a door wedge but the rocks hardly chipped it.
The 4Runners have been on the higher rock chip scale but look at the design. Lots of flat and upright surfaces up front and protruding flares and other surfaces.
Point is you can do like [MENTION=118321]Jetboy[/MENTION] and buy a clear bra or you can buy a vehicle with a highly sloped frontal area. The clear bra keep the chips to a minimum but you have to deal with possible peeling, paint discoloration and the dreaded line. Your choice.