Hey Jimbo, I can vouch for what is being said above. A solid SS can be finished to show quality. A metallic SS can not. If you have your heart set on metallic color bite the bullet and pay for bc/cc. In a metallic ss the metal flake is all through the thickness of the paint. If your painter gets a run anywhere the metallic will sag with it and there is NO WAY to sand the run out and it not show. There is also no way to spot a ss metallic in easily. You will end up with a nightmare and not have the paint job you are looking for. The guys above are professionals and would not waste their time with clear coat if it was not necessary. Save the ss metallic for your '98 Corolla.