Florida Stucco Pearl vs Pebble Tec

I just received a quote from a pool builder that included a Florida Stucco Pearl finish with the option to upgrade to Pebble Tec for roughly $2,000. This is for a 14x28 pool. In the quote, it has the Florida Stucco Pearl finish listed with a lifetime warranty but on Florida Stucco's website in only states a 10-year with Pebble Tec having a lifetime.

Is it worth it to upgrade?

How does the warranty work with finishes, material only or material and labor? Has anyone actually needed to use the warranty?
 
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