As best I can tell, my '81 R65 does not have clear coat (it's black) whereas my '89 CRX, which is silver, does. They both could use new paint jobs. BMW obviously used very good quality paint, but my knees have been wearing it off the sides of my gas tank, down to primer in one place, and some of the pin striping has rubbed off. My CRX just has a bunch of depressing little dings and chips from flung-up gravel.
I've heard some colors are more durable than others, but I don't remember which.