Ardra, you're probably correct; I've seen lots of 3M film applications (including the one on the front of our coach) develop lots of surface cracks, and some peeling.
As you know, the cracks in the film can't be removed/repaired, and the only 'fix' is to remove &/or replace the film. We've decided to just put up with ours until it comes time for resale, because of the difficulty you mentioned removing it. Some folks have been successful using a heat gun, peeling the film off an inch at a time.