Although mudflaps would have prevented that, yes, how many cars have them? I see very few.
If all those marks are paint damage, it's quite hard to see from a photo, that seems excessive. I doubt all XC90s that don't have mudflaps (which is most of them?) have that level of damage. Mine is 3 years old, has covered 30k miles, and doesn't have a mark in those areas.
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