Do these mount to the factory bolt holes, or do I need to drill?

These use factory mounting points — no drilling required. Bolt straight to your existing attachment locations.

Will this finish hold up to rocks and road debris?

Textured matte black is tougher than gloss finishes and hides minor scuffs well. For long-term protection in high-impact areas, clear protective film is a good add-on.

Do I need to paint these, or are they ready to bolt on?

They ship ready to install in matte black — no prep or paint needed. If you want a different color, plan for sanding and paint application before installation.