Welcome, appygirl!
My first-hand knowledge is only second-hand... but several of my friends who can afford new cars swear by them. One of the more recommended brands is by
Star Shield Armor.
Various people I know have or have had them (various brands) on the following vehicles: blue '03 Mustang Mach 1, dark metallic blue '03 SVT Cobra Mustang, dark red '06 Lotus Elise (it's a factory option), pearl white Murano, white '06 Mazdaspeed 6, metallic black '06 BMW M6 and a Carerra GT3RS (I think it's standard on the RS).
Now some see the bra up close and get taken aback by the fact that it is visible. But on most colors at 5 feet or so you really, really have to be looking for it. Let me tell you, everyone says they'd rather have a bra that you only see sometimes than rock chips you'd see all of the time.
You can wax it when you wax the vehicle (you're better off with a mild synthetic wax to avoid chalking along the edges).
And at some point the bra's going to get beat up, so you'll want to replace all or part of it -- but it's much cheaper to replace a bra than it is to repaint.
It won't stop all rock chips, but it'll take a surprising number of hits and not leave a mark.
If I were getting a new car today, especially a metallic color that's hard to touch-up, I'd get one -- professionally installed.