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Tesla insurance is expensive for one because on the normal cars they have a lot of low mass under a Coke can. Any collision is going to spread damage far and wide. In Tesla's case the car also ends up out for months and companies pay thousands in rental fees.
No matter how "tough" you make the skin it's going to deform in almost any collision and need repair. If you make those panels and the structure under easy to replace at the existing body shops with readily available parts, it won't be any big deal to repair. If it requires an aircraft mechanic and you wait a month on parts from Tesla, you might be disappointed in the rates.
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