Don't worry, it will get worse. Admittedly my '94 stays outside 100% of the time and rarely gets a car cover (only during monsoon rain, and then it's only a bikini top.) The paint behind the rear window turned cloudy, then you realize it's a bubble of clearcoat, then the bubble can break and expose the color underneath. They are dime to quarter size now. A friend has a black '94 and it is starting near the gas filler cap. That car is covered most of the time, so I don't see any correlation to being covered or not. It seems just to be the long-term failure mode of the paint itself, since obviously there is no damage or change in the material the fender is made of.
The issue on the hood seemed different. There, it was like the paint shrunk because lines would form where the paint split. It looks like worm tracks. These lines were below the paint surface level and looked white as they exposed the primer(?) underneath.