How to identify if a frame has a durable paint job?

Context

I currently have a Merida Speeder 200 which I use as my everyday bike with a chain lock (mandated by the insurance). When (un)locking, the chain may sway around and hit the frame, chipping of small pieces of the colour paint layer (the white base layer becomes visible).

In the past I had a second hand bike with a Raleigh Ace 257 frame, which was used under similar circumstances, but never had a chip of paint fly off.

This might be coincidental, but I thought this might have something to do with the paintjob quality or method.

Question

When looking to buy a bike (both new and second hand), what markers help me identify a durable paintjob that can withstand urban use?

What I’ve looked into

• Based on this related question it appears that price or overall quality is a marker. However, the Merida was well over 7 times as expensive as the second hand Raleigh and has higher quality components.
• To protect the paintjob the general advice is to use clear protective decals. I have those on areas that are subject to wear (chainstay, where the cables rub the frame), but it’s hard to predict where the chain lock will hit next and where I would need to stick a decal.
• My chain lock is in a fabric sleeve over the whole length and I’ve used mouldable silicon glue to create bumpers around the remaining exposed links. Still, the chain sometimes hits the frame in such a way that paint chips off.