When I bought my Jeep it had a quarter sized chip/crack/spiderweb thingy in the upper right corner of the windshield.
I went to a local glass shop and they replaced it for $120 installed. I'm a happy camper.
The next weekend, I'm headed out to Anza Borrego to wheel with the San Diego group and a truck goes by on the other side of the two lane road..
You guessed right, a rock hits my windshield in the exact same spot and now there is a half dollar sized chip/crack/spider web thingy in the upper right corner of my windshield.
Did I replace it? Nope. It's body damage I got myself, not something the previous owner left me. Besides, it would just happen again if I did.
It looked pretty easy to replace when he did it. Took a grand total of twenty minutes.