The failure mode here comes down to build year plus climate. Houses built around 2000 are old enough that the original foam-core panels are aging out, but new enough that most owners haven't had to touch the door once - so the first sign of trouble is usually a panel that's already delaminated rather than one that's just scuffed. Severe summer heat accelerates that: the foam core expands against the steel skin on hot afternoons and contracts at night, and after two decades of that cycle the adhesive bond gives out, especially on panels facing west or south.
At a household income level like Trophy Club's, we see fewer deferred repairs and more owners who replace a panel before it becomes a safety issue - which is the right call, since a delaminated panel is lighter than it should be on one side and throws off spring balance over time. One honest limitation: if more than two panels on a door are failing, or the door's extrusion profile is long discontinued, full door replacement is usually the better money than chasing matched panels one at a time.