There's a good chance the paint wouldn't stick to the ceramic. All ceramics are slightly different and depending how they're applied, how new they are, etc etc etc. However, I do think I've seen videos showing how "great" someone's ceramic was by showing spray paint being applied to the vehicle, allowed to dry a few minutes, and then cleaned off with mild cleaners. Now that sure could cause a problem when having to repaint body work.
From my understanding to remove ceramic you need to wet sand. It's not a very thick layer (microns) but it bonds to the paint surface and just slowly wears away over time (maybe months in harsh conditions like parked outside in an area with blowing sand or years if babied in a garage in washed by hand)
Now what you can do is this, have paint protection film applied and then a ceramic coat on top. If you need major body work done such as a panel being repainted because of a large dent or scratch, then you would have that sheet of PPF removed (pulled off) and the ceramic would obviously be removed with it. Many would suggest you don’t NEED ceramic on top of PPF, which is probably right. PPF does have some hydrophobic properties (water will roll off etc) and some gloss boost, but ceramic on top of PPF is just that extra bit of slickness and gloss boost.
I’m sure it’s not worth the cost… unless you’re a nut job that loves to look at the car all the time and always wants it to look showroom nice. I specifically park toward the back of lots away from other cars and back into the spot because I like the look of that and want to avoid other cars that could scratch/ding. Always. 115F outside and I’ll walk from one of the furthest spots. Snowing out and bone chillingly cold, I’ll be parked way out there with no other car in sight…. So the cost was probably worth it in my situation