I have had Jeeps, Toyotas, BMWs and Lexus - all with clear coat. The BMW water-based paint is the softest paint I have experienced. Clearcoat does not help. It is a good paint, but it scratches very easily. Swirl marks are common. Stones seem to take more of a toll on the finish. You can't wipe off bird excrement with a damp paper towel without scratching the paint. The paint, when taken care of, is superb otherwise, and can outshine most other paints.