Tough call, a decision only you can make.
I wouldn't file with my insurance company, that much I know.
Vehicle isnt that old, I would most likely pay out of pocket, but first clean it up as best I can and make a decision to repair after that.
It you keep the vehicle a long time, once a section is repaired, some years later it shows, quality of paint is always different as time wears on and that is the one thing that might hold me back.