This is my opinion as a car owner. I am not a shill for car dealers or the extras they sell.
I leased (and eventually bought) a new car in 1999. The dealer really tried hard to sell me on Clearcoat as an extra. I refused. They also tried to sell me a “feature” that every part of the car was tagged, so if it went to a chop shop, it could be traced. I refused this to. I was ready to walk away. They leased (and eventually sold) the car to me. I thought I had no clear coat.
I never waxed it because it always looked great. I got a few chips over the years, but never enough for me to seek repair.
A couple years ago, I noticed that there was a thin plastic material peeling off of headlight assemblies. It was clear coat! Yes, I have few miles on the car over the time I’ve had it. However, it has spent ~1/4 of its life in the hot sun of southwest U.S. The rest of the time was in a garage or under trees. The paint job still looks great.
There are many tags on visible parts of the of the body. They all have the same number and the manufacturers name. These are the chop shop traceable tags, another feature I had refused to cough up money.
I still have this car. It will be 15 years old next month. I think Clearcoat is a good investment, especially if you don’t want to wax it! It is well worth the $150-$300 they are asking.