Regarding the cracked windshields in Whitehorse -- MOST of that damage occurs within the city limits in WINTER when the slippery streets are sanded/gravelled. Two Mile Hill and Robert Service Blvd are liberally sanded/gravelled and it's wicked being behind another vehicle powering up the incline as that spits the rocks back towards you.
Glass insurance is very expensive here so most save their dollars and only replace the windshield when it actually has a hole in it or they can't pass a safety check on the highway.
We don't live IN Whitehorse, instead doing most of our miles on the Alaska Highway, thus the windshield on my Honda Fit is in perfect condition. Same with our truck's windshield. The other car has one crack, obtained on Vancouver Island.