Windshields are a consumable under the best of circumstances, particularly these near vertical designs. I would replace the WS on my FJ almost yearly just as part of regular maintenance because after four seasons of driving the accumulation of cracks, chips and pitting made morning and afternoon driving in the sun unsafe. I'd only run it through insurance every once in a while so as not to put up any red flags that might jack up my rates or get me dropped but there were aftermarket options and a replacement was only running a few hundred bucks at that time, provided the technician knew what he was doing and didn't break the clips on the upper trim piece.
Best play is to make the one you got last as long as it can. Fix it, if it's fixable, so it doesn't spread on you and wait till there's been enough accumulated wear and tear that visibility is compromised then replace. In Florida hopefully it will be a while before you catch another rock. Here in CO, in the winter, it's a weekly, if not daily, occurrence.
Your insurance may offer repair that is discounted or free depending on your policy or you can pay $100-200 out of pocket, depending the amount of damage (pro tip: shop around). Hopefully by next winter the OEM shields, much like a specialized
2026 polaris ranger 1000 premium windshield, won't be the unobtanium they are now and/or there may be some third party options that cut down on the cost. For now, at $1600 a pop you won't make any friends down at the insurance office if you demand new glass every time you pick up a chip...