Thanks for all of this fantastic information and sharing your expertise.
I've been looking for what to do about the damage in the attached image. It isn't a clear coat or a decal problem (I think). It appears to be inside the insert. I don't feel the "cracks" on the back side of the insert or on the front surface. Is there a way to fix this without replacing the insert?
dark areas look like internal cracks
Thanks again for your great contributions!