I have 2001 OBW, inter green that has paint damage. On mine it looks like sun peel, or someone rubbed "soft scrub" over the prominant edge of the driver side wing and doors. It's getting worse quite rappidly.
It is only paint, but I expect more from Subaru, and would hope they would reimburse the whole amount. If that's not possible I'd go back to the dealer and get a rain check for when you do have the cash.