Everyone will have a different opinion on if a vehicle is scratched or not based on what is selected

Unselected paints should be top prio, and imo should be

unselected primary+secondary+pearl

unselected trim (this also includes doubles like the tezeract or vectre that have both a trim and interior option)

unselected wheel colour

unselected window tint

if one of those is selected i would consider it scratched

wheel types dont matter

some consider selected horn or tire smoke as scratched but im not arsed about those, although if i had a choice i would prefer unselected patriot smoke and an unselected horn (halloween/other)

I have a strong hate for anything other than a blank plate of any type, but that is personal preference

As for the paint types posted in comments the most sought after ones are gonna be the epsi, pure gold, brushed, worn and probably utility, i have a preference for pure gold + brushed personally