Yep- joined the club. Didn't notice the chip. Turned on the defrost one morning and it cracked about 4 inches. Later that day I touched the windshield with my finger and it cracked another 2 inches. Now it just cracks more when ii heats up from the sun.
It is basically a dirt road with a few ruts/bumpy places- no issues. (You will encounter people mountain biking the road as well. There are some other trails that go off the side with some mud holes but no issues. Lots of nice views as you go up the mountain.