I had the chain fall off my Atlantis a few times after I felt sure that the derailer was properly adjusted. It never occured to me that the paint would be damaged but I sincerely did not want to have the damn chain fall any more. My best guess was that the chain came off when it was at a lot of angle and that the solution was to up-shift the rear sprockets before moving the chain onto the big chainring. The chain has never come off in the year since.