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I have both ceramic coating and poly-film.

 

The film is definitely worth it on a new car.  The ceramic coating is definitely worth it if you live in a very dirty environment and if the car has be kept clean.  But the ceramic coating does need to be "recharged" or "reapplied" after about 50-100 washes.  Or about 2-3 years for most people. 

Basically, the ceramic coating keeps the car cleaner, less tar, road grime, and dust stick to the car.  The car stays cleaner.  The film is purely a thick barrier to protect the paint from rock chips and very slight abrasions.  I have it on my hood, fenders/wings, front bumper, mirrors, and headlamps. 

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