The clearcoat protects the paint below it from the Sun and the environment the car is driven in. You don’t have to repaint as often when clearcoat is used. Similarly, a good wax will protect the clearcoat from the same environmental issues. The paint without wax can last 10 to 12 years before the clearcoat is gone and the paint fades. Use wax, and the factory paint job will last a lot longer. Do a search here for @the_same_mountainbike’s Scion. He’s had it for 12 years IIRC, and it looks new. He waxes his car.
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