3 years of ownership, never had paint protection on a prior car... here's what I've experienced and concluded:
1) Car arrived November 2012. Factory installed paint protection on front and around wheel wells (no longer an option). Beautiful! Don't really like the line of the film across hood, but it's OK.
2) Fall 2013. At a charity event in a posh suburb. My car, along with many others, was egged. 5 indelible marks. Tried everything. Eventually several layers of Dr. Colorchip touch up looked reasonable, but not perfect. Wished I had film.
3) Spring 2014. Brushed front fender (plastic part) across a boulder landscaping wall. Looked horrible! Made appointments to repair/repaint. On a lark, decided to peel off film to see how much of damage was film, how much paint. Voila, it was all scratched up film. I became an immediate zealot. So:
4) Fall 2014. Had paint correction and Suntek applied on entire car. About $4,500. Looked great, but wish I had done earlier, as there were some touched up chips/scratches that still show through a bit. Installer said no need to Opticoat over that (more later).
5) Spring 2015. Weird year for trees in midwest. LOTS of sap. I park under one at my WI house. Sap stains all over Suntek. Won't wash off. Visited local detailer, who gave me some light abrasive (as recommended by Suntek). With some elbow grease, all came out. But I got a cover so no recurrence. Detailer strongly recommended Opticoat over the film. Said "you need film to protect the paint, and polish or coating to protect the film." Yikes!
6) Moving the car to California. Will need to waterless wash from now on. All these experiences tell me: Opticoat it! So I did. But it had to have a light polish before Opticoat, so cost was $900.
What I learned: you do not HAVE TO do anything. But if, like me, you plan to keep the car for at least 8 years and want it looking great... and you want to minimize impact of the inevitable chips, dings, etc. And reduce the probability of needing paint (new paint is always a problem... difficult and expensive to get right). Immediately as possible after delivery: paint correction, full wrap (suntek or xpel), opticoat. Costs a bit, but in the long run well worth it if you can afford. If you cannot afford, then suggest you consider at least paint correction and opticoat. Will be cheaper than full wax twice a year, and look better.