"I knew the chip would be 'worn' and that was 'ok' but did not care for the inlay damage."

A worn chip also entails one being "unatractive through excessive use or abuse..." as defined, accepted and published by CCGTCC on our club site.

I tend to agree with Chuck, and I certainly agree with how "worn" is described on our club site and how "worn" is described in Herz' Guide.

"WORN" - Excessive wear. Color is faded. Edge chips or breaks."

A detailed description would have been nice, but where does such a description end with describing a "worn" chip... and since you were "ok" with the chip being worn... I say NO NEG...