I only use my HD2 since ~10 days, and do not have this exact problem, yet.
With my previous device (HTC Touch Pro) however, I had a lot of problems with peeling off coating (in TP case it was the plack paint peeling off the housing).
I also have the problem, that I use to buy my devices in Europe with WWE roms, and then take them with me to Japan, where I currently live.
This constellation is a nightmare for warranty return/repair with HTC, as they ask you to sent your device to where you bought it.
To avoid shipping my defect device helf way around the world, I last time decided to send my TP to HTC global repair centre in Taiwan.
They did the repair and they did it quick, but you don't want to know how much that cost me.
As soon as my HD2 starts loosing paint or coating, it will contact HTC global rapair in Taiwan again, but this time I will not accept to pay for the repair but push for good will.
The world gets smaller and smaller, customers do not stay in regions where they purchase devies. It is time for companies like HTC to adapt.
My girlfriend bought an Apple iBook in the US. In the menatime we moved to UK, Belgium and now to Japan.
She had warranty repair done to her iBook in all of those contires without an problem, so it should also be possible for HTC, if they just were a little bit more end customer oriented, but now that they try to market HTC as a brand, maybe it will come.
As a customer paying 500+ EUR for their products, I will not take NO for an answer.