what he's referring to is lacquer based paint. the civic most likely has urethane paint. urethan will eventually fall off due to the fact that it is designed to use clear coat. the odds that the painter used a dulling agent is slim to none. without a dulling agent (used in paintjobs with no clear), the pain allows water to seep through it because it is porous. this isn't a set rule... sometimes the base holds up really wall... however... don't be surprised if the paint peels near edges. the clear is less porous and helps to repel water. you may also run into oxidation/rust problems