ABSOLUTELY!!! Last July we traded our old 99 Winnebago, with a split front window, for a 2015 Forest River Georgetown, with a panorama front window. We took a trip this past Easter and the window got chipped. I watched it all happen too, in slow motion.
The guy getting on the highway just HAD to get in front of me
so he floors it and as he's moving over I saw the rock leap off of the roadway and arc right into my windshield!
My wife got on the phone with Safelite and we scheduled a repair, at the campsite, for early the next day. I also called my insurance company and inquired about windshield protection, which I didn't have. I added it that day! A new panorama windshield is about $4k. I'd much rather pay the $150 / year. Like you I have no deductible for the windshield, and of course the insurance will pay for windshield chip repairs from your comprehensive coverage.
To me, windshield coverage is a no-brainer. It's so cheap for the peace-of-mind.
Edit: And we've only got 3,200 miles on this new coach.