You realize most insurance companies won't cover the cost of aftermarket items right? Some however will allow you if you pay a few extra $$$ each month to cover a lot of aftermarket parts but that all depends on a) The company b) what insurance plans you have or whats available c) insurance adjuster. Just pointing this out so he's aware of the potentials.
If you haven't found a solution for the drl's...try pulling the fuse. idk could be different on the gxps but thats what i've done.
For the rock chip..I honestly wouldn't worry about it..it eventually happens to every car and with a DD it increases. You could just have it repainted once the hood gets bad and then apply a clear bra to it.