coating no matter how many H, it wont be able to resist stone chip and deliberate scratching, swirl mark still will occur if you use bad quality microfiber cloth or dirt trap in your wiping cloth during car wash

and you have to use pH neutral shampoo to wash your car, strong acid like those car wash at the road side will eat away the coating sooner

coating is just making your car paint look shiny and the hydrophobic effect make your car wash easier since dirt doesn't trap easily on the paint

ppf is can protect against stone chip, but it doesn't last forever, some of the ppf will become yellowish or blurry after some time or even tear off especially at the bonnet

if you dont keep the car for more than 7 years, why not just respray after few years? it should be around RM 400-500 for spraying one panel,

unless your paint is very special paint that is difficult to replicate like mazda soul red, i dont see ppf is worth the investment