I'm in the process of having the panels replaced on my 2014 with panoramic roof (assuming we're talking about the same panels, 1 on each side of the rear window, and 1 above the front windshield).
I thought I might like the matte black look of the panels on my Tuxedo Black MKZ once all the "coating" peeled off, but they didn't look good at all.
I took it to the dealer during the last week of my factory warranty, and it's covered and they ordered the new panels. The extended CPO warranty wouldn't have covered it since interior and exterior trim, moldings, etc. are excluded.
Unfortunately, the new front panel arrived cracked and they're still waiting on a replacement, but they replaced both back panels and they look beautiful.