Where it chips, does it expose bare metal? Or is it just the primer that's exposed?
I'd think 2020 is too young still for the peeling. Toyota claims the peeling problem with Super White and Blizzard Pearl is caused by UV penetration to the primer/metal layer. If true, then it seems to me that would take years to manifest.
It is down to bare metal where some of the chips have happened. I would agree the peeling is probably a longer-term issue, but weak paint in a general way is my larger concern.