Any way to tell if stylus is chipped?

OK, so I've heard that a chipped stylus can damage records. How do I know if my stylus is chipped or not?
Microscope time.
A high power loupe will let you see an obvious broken/chipped or missing Stylus.
A chipped stylus will damage records. The first symptom is excessive amount of vinyl dust accumulation on the stylus.
I could be wrong, but considering that a diamond is the hardest thing on earth, how could one 'chip' it without destroying the cantilever?
The only thing it can possibly sound like is BAAAD.