Upper tear could have just been from dropping it or rubbing against something. Like when taking it out of a charger the spring loaded negative plate might have slid against it. Doesn't appear to be down to the metal though.
Bottom tear was likely from the sigeli. Both my 100 and 150 have that issue. The bottom of the battery compartment has a pretty rough edge and since the top of it has the spring loaded portion it's far easier to put the battery in the upper end of the compartment first, then the lower end, resulting in the wrap tearing on the sharp edge.
Tear on the negative bottom isn't much to worry about.
The whole battery is the negative end except for the one surface with the positive spot.
Wraps are pretty cheap and it's pretty easy to rewrap them if you want to play it safe.