Full carbon frame I bought used in 2019 and rode until last year when I decided to swap to a smaller size. Attempted to capture the damage in photos:
-wheel rub in the inside of the chain stay
-mark just under the seat post
-missing paint on head tube from cable rub
- some spots of failing clear coat on the fork
These have been on the bike as long as I've owned it and did not cause me any problems or grow in size. My non-professional opinion is that they are cosmetic. I would still be riding the frame if it was a smaller size.