Here is my take on color coat/clear coat factory paint.
The dump truck was built in 1997 and is red and until this last year and a half was like new with frequent washing with car wash, I used dish soap a couple times a year then applied wax, I've used Turtle Wax (paste), and the last few years Maguires, (again paste) the clear on the roof went away a few years ago because (I believe) I just didn't do it as diligent as the rest, now the bed was a different story, it was not factory and was re painted in 2006-7 when I rebuilt the boom pads and the diamond plate.
I believe if properly cared for color/clear coat paint should last if properly cared for without whatever ceramic coating is.
I must add that the truck was rarely garaged and often parked under trees. Just not pine trees. I hate pine sap as much as I hate Fed(up)-Ex.