Personally I would rather have a 1/4 repaired than replaced, if its pulled out properly there should only be a thin skim of filler and far less invasive to the car than cutting out the old one and replacing it. Obviously if its done properly by an expert it shoud come out fine but my mate has a bodyshop and some of the cars he has had in over the years for repair that have allready been got at by others are frightning, like the pictures above.
He makes great efforts to make any new panels put on have the look of the original, even on the bits you cannot see withot remiving trim, the distance between the welds and the way the sealer is brushed on etc, he makes great efforts to make it as hard as possible to see that a panel has been replaced, unlike the above pictures.
When the assesor comes round to look at your car they agree a price, somewhere between the price of the bits and the labour the bodyshop thinks it can charge and the price the assesor thinks it should be, if a car is down for a wing and it is agreed but the wing can be repaired they will keep the new wing in stock, the next one which is a crap repair but the assesor will not agree a new panel it might be easier and more profitable for the bodyshop to replace the wing they kept from the last one and so on. So its swings and roundabouts for the bodyshop.
If my mate gets a car in and its down for a 1/4 and that is agreed by the assesor, when he comes to repair it and sees its an easy repair he will repair it rather than stick the 1/4 on, again, when he gets the next one in and they wont agree a new panel if its a crap job to repair he will put the panel or part of it on, wether this could be called fraud or not I am not sure, but if the car is repaired to a high standard does it matter ?