I am one of those who thinks weathering has gone overboard over the years, but let me qualify that idea.
I tell people starting out weathering to look at bulldozers--easily found. Those show mud, grease, rust, etc. I think that once battle was joined, even if vehicles (and aircraft) did not last long, that earth raining down from explosions would shower them with debris. That earth would--like dust--make a perfect camouflage for the local soil. But add any rain, one gets streaks, wear, etc. As far as chips, think about what makes paint come off. Abrasion of boots and shoving boxes across corners. Rubs paint off. Mostly so small an area that it is barely noticeable in 1/35
But what of the vehicles that have been in use for training before going in to action? I doubt they were repainted to 'pretty them up' before being sent to the front. So I find it plausible that our vehicles that arrived in France after D-Day, having been used for months in England, can show wear and fading. Same for , say, the Eastern Front, during the time of the mud. Weeks could go by with little direct action, the vehicles setting out in the elements. No doubt they could get ratty.
My gallery shows air and armor subjects that run the gamut of almost 'factory fresh', to heavily distressed. I do so with a specific story in mind. If you have photo references, that really helps. I have whined about this before in site posts, about a photo in my WWII In Color, showing Shermans in the desert, their OD glacis and tops almost completely covered by yellow dust; one had a mere 'dusting' of dust, but lots collected into the imperfections of the cast armor, giving a freckled look. I built one and had show judge tell me that 'it was too over done'. When I showed him the photo, he said it just didn't look right on a model.
So build your model to either tell a story, or represent a specific finish. And enjoy it! Don't let any pompous know-it-all like me ruin your hobby!