I'm going to ramble a bit since my answer involves a situation that felt like the first time I "won" anything substantial. Jump to last paragraph for my answer, Spicewood.
We had a wind storm two year ago that blew off a patch of shingles and a section of wood fence. My wind damage deductible was 1% of home value, which was substantially more than the $1K damage. So I paid out of pocket for shingle replacement and fence repair. At the same time I reduced my deductible to $500.
A year later we had a pretty minor hail storm. In the 8 years I had lived in the house we had a number of hail storms, none really severe and I never had anyone look at the house. Because of the minor hail storm, and some fear the shingle replacement was done incorrectly (they spent like 20 minutes on my roof and they were rushed due to workload), I had my insurance company come out for a free roof inspection.
I was shocked when they said I needed a full roof replacement. Amazingly, he also included in the estimate repairing paint on house trim, screens, and restaining decking and fencing due to hail damage. It was just under a $20k estimate and insurance would pay for it all. As I said - I was shocked.
When the roofing guy, who lived in my neighborhood, looked at their estimate he said he could give me a hail resistant shingle and guaranteed, full replacement 25 year warranty. Warrantied even for hail. It all seemed too good to be true.
So not only did I get a brand new roof on a 9 year old house, a hail resistant roof I won't have to pay for repair on in 25 years, but also my house trim repainted and my decking and fencing and playscape restained.
So I have a hail resistant shingle that is good for 25 years, guaranteed, and looks like original shingle. It also reduces my insurance by $300 a year with my insurance company. So I think it would give you what you want, but I also admit I love a metal roof and have always wanted one.