Iphone 5 Replacement - Damage Charges ??

Apple are replacing my Iphone 5 for €30 due to dust in the camera lens.
There will be a fee taken out of my account to cover the cost of my phone until the old one is returned to them.
Any damage to my old phone will be taken out of this approx €550 sum...
The lady on the phone said it would only really be for water damage, cracks, big chips and scratches.
Not for cosmetic wear and tear. . . . this is where I'm just wondering what would constitute further than that.
All scratches on my screen are small, bar one tiny deeper one where you can see the colours flux from the inside. (from my earrings, stupid long phone)
Tiny chip on metal surround... but who doesn't have these, I'll be ****** if I'm charged after Apple saying to expect them from general wear and tear.
Has anyone had experience with sending a phone back you thought was fine only to be charged?
If so what were the charges like?

Apple has an out of warranty or not covered under the warranty "repair" price, which pays for an exchange at a discounted price off the retail sales price.
If you own an iPhone that is ineligible for warranty service but is eligible for Out-of-Warranty (OOW) Service, Apple will service your iPhone for the Out-of-Warranty Service fee listed below.
iPhone model
Out-of-Warranty Service
iPhone 5
$229
iPhone 4S
$199
iPhone 4, iPhone 3GS,
iPhone 3G, Original iPhone
$149
Apple reserves the right to determine whether or not your iPhone is eligible for Out-of-Warranty service. iPhones that are repaired or replaced have a 90-day limited hardware warranty or assume the remainder of your standard warranty or AppleCare service contract coverage, whichever is longer.
Apple will not accept a shipment from India. You will need to ship the iPhone to someone you know in the U.S. who can take it to an Apple Store for you. If Apple approves the exchange, this person must ship the iPhone back to you.

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