Dealers are usually the worst to go to, just about anyone here will be better off going to a professional detailer that is known for doing a lot of paint protection jobs and overall is a good detailer.opti coat or whatever. you don't have to get it through the dealer. go find a local bodyshop
From what I have read the more environmentally friendly paints are actually less chip resistant.... of course that may just be mfg. BS to cover their chip prone paint processes....However, hasn't paint technology progressed? I was told years ago the new powder coated and dipped paints are much more chip resistant
You are correct that nothing will last the life of the car, or for years and years of yes. HOWEVER - You can easily get stuff that lasts for a couple of years. The idea is to have something that truly lasts to take the worst of the wear and tear on the paint. This stuff has to be polished back off the car as when it sticks, it sticks. I put some on both my cars early this year and the water still beads right up even though it is winter here now. Makes washing a million times easier, I do not need to clay my car to get all the crap off of it as it comes off with basic hand washing now.For what an owner will pay for one of those special paint treatments in a few years it will be just a waste of money. I am willing to bet a treated Civic that has gone through a few winters in the Midwest will not longer bead water. The sun will bake it off in the southwest. No treatment last years.
Buy a good wax that will aid the clear coat and apply it every six months to a year. There is not magic solution here. Just good old manual labor and a result you can be happy with.