Ok, saw another site that said to ask the owner to poke at bubbling paint with a screwdriver. Must have misinterpreted what I thought I read before with the scraping. lol
I'd rather look like a newb here than when I'm out looking at other people's Jeeps.
I can just see me now. "Ok sir, I'm just going to check your paint job to see if it's easily scratched by this screwdriver. I'll just be a minute..." :-D
Then test their headlights to see how resistant they are to a hammer.