I feel ya dawg.
Caught a Rock
I had insurance cover replacement for mine, as it was the size of my thumb nail.
From what I've heard, repair is an elegant solution, because they can vacuum some of the air out and make it still present but much less noticeable.
Choice is yours, though. Plan on catching any rocks in the next 3 years? If so, wouldn't you still have to pay this amount to fix/replace it then?