Someone came out right away to look at my windshield, and pointed out another chip way on the other side - close to the edge and where the glass was black - that I probably never would have noticed until it spread.
They got me in right away and fixed things in less that an hour.
Now, the chip that was clearly in my line of sight while driving hardly looks like a tiny water spot!
And the chip I never noticed has been taken care of, and I avoided a future problem.
** NOTE ** They told me that many insurances will cover fixing a chip, with no deductible. They called my insurance to double-check, and it's true. They'd rather cover the lower cost of fixing a chip, rather than the much higher cost of eventually replacing an entire windshield.
So, if you have a chip, don't ignore it!