Yes, you are.
To appease your fears your only option is to stop driving the car and tuck it away in a heated garage. I suspect though that you don't want to do that. If you are going to drive it you have to accept that it's going to get stone chips, dirty and need maintenance which is yes, going to cost money. There might be an expensive job on the way at some point but chances are, there won't be. Not for some time anyway, 60k miles is nothing, I'd be willing to bet a well maintained car will do 2 or 300,000 miles. Just look after it, take precautions when you have to park it but most of all, drive and enjoy it!