There is no ten year warranty on mon-monogram. This just isn't true. What I've been told if there is chipping in the first year, replacement is a 'possibility." that's a quote. After that, it's "normal wear and tear.". That was also a quote. I still may get one, but with the knowledge that it may chip
Just like groom and other silkscreened items. They did tell me bags that rub against your clothes or body, like the neverful, are more likely to chip quicker just due to friction. I still like them but would probably go with a speedy or something that wouldn't be rubbing against your body, arms or clothing.