IAG now sells rear cup holders: https://www.iagperformance.com/iag-removable-dual-rear-cup-holder-for-two-four-door-2021-ford-bronco/?gclid=Cj0KCQjwuuKXBhCRARIsAC-gM0h5B5V6cis3p4m9OWOlasuIe9BlVfrdpNNFDDzJuaoi8lCWqQsdkaQaAiTXEALw_wcB
You may want to check the Rustoleum Textured spray. When I had scratches on my N-fab steps, they recommended this. It did a great job of blending right into the powder coat. Looked identical.
I would have the Credit Union provide you their valuation method or let you know where they think you can find one for that price. Something isn't right.
It can still show up on a Carfax report if the repair shop reports it. If the Insurance company (for transport co) reports to ISO it may show up on the Carfax. Title shouldn’t be affected as damage looks fairly minor.