Any plating can react to the salts and oils in your skin, and each of us has different body chemistry to a degree. Gold plating usually has a barrier plated layer like nickel underneath (not sure what PRS uses) because other metals can migrate into the gold causing it to change color and tarnish. It's possible that the nickel or other barrier layer is doing the bubbling, as you're less likely to see gold do that. In any event, gold is pretty soft for a metal, and easily worn away.
Most PRSes have nickel plated hardware, not chrome. Chrome has a bluish cast to it, and looks different from nickel, which has a warmer color cast to it. Chrome is also more likely to bubble/peel than nickel, often less visibly; though it doesn't tarnish easily, it sometimes lets rust develop, which you see on old Fenders with chrome plating, while old Gibsons with nickel usually just show tarnish.
Gold plating shows wear, to a greater or lesser degree depending on your chemistry. That's just the way it is, and has always been. I've probably had more PRSes with gold than nickel over the years, simply because it doesn't tarnish as easily, and my body chemistry doesn't seem to wear it off much. But other folks who've experienced a lot of wear with gold generally don't care for it.
In any event, the good news is that something like a bridge can be easily replaced or re-plated.
Remember, too, that a 20th anniversary guitar - even one that has only been in your hands a few months - has had several years of whatever oxidation occurs during that period. I wouldn't really be upset about it. Pretty simple to deal with.
