Chamois never worked for me. I had a silver car back in the years and (as you may guess) swirls and fine scratches weren't a big issue for me, but just the difficulty (as compared to terry cotton cloth I used as alternative to wipe my car in those years) made it unlikely pick for me after trying it once or twice.
Since I started using MF towels I never even considered chamois.
But everyone has something they are comfortable working with.
As to a problem as a damage to a car, again, I can't say much because I used it on silver car and only on one or two occasions, so I don't even remember if it left any swirls behind (which would be hard to notice anyway).
But if you really want to know the amount of damage any towel can make, then park your car in the garage and place a bright light to it's side , so it can perfectly reflect from the top panels. Position your eyes at the level and the angle with the best detection of any imperfections on a paint surface. Then, put a product on, or (if you want to test it fully) wipe it dry. Of course your car must be in pristine and clean condition, else the dust particles will be scratching your paint, regardless of what you use to swipe them around. But once you do everything right, you will notice what the difference towels can make. Especially if the coat/paint is soft, you will immediately notice the hair thin trails left behind as you move your hand placed above the towel. Those fine swirls marks and scratches will not be noticed by 99% of the customers (who, frankly, don't give a screwball about hardly noticeable defects left on paint), but as a dealer you should know what effect your products and tools have on the vehicles you or your employees work on.