The paint used in auto plants is totally different from what repair shops use. You can't compare "paint failures" from one OEM to another and blame the "clear coat" system. And you surely can't compare OEM paint to aftermarket, and try to blame "clear coat" again.
Some OEM's use thermo-set paints, many transported via a waterborne carrier to reduce VOC release. It's not unusual for the paint cure to go up into the 400F range. I think of these as almost like water carried powder coat. Other OEM's use a solvent based paint, or maybe a waterborn paint, that's not thermoset. It just depends on the plant and local environmental rules.
In the auto repair industry, you can buy a variety of different paints, but most are urethane based two part. Most paints are base coat and clear coat, and that's just fine. Just be sure it's high grade urethane catalyzed paint. Use a two pack epoxy primer, for direct to metal sealing too.
When I painted my motorcycle frame and various parts, I bought some Dupont Nason fleet urethane black paint. This is catalyzed, but one pack, meaning no clear coat. I'm no pro, but I've painted several projects like motorcycles, bicycles, and similar, and let me tell you, that Nason was the best spraying stuff I've ever used. If you can somehow find some of that stuff, get it!
P1010483 by
nessism, on Flickr