Yeah, in the past, the paint WAS the outermost finish. Now we have clearcoat over it. While it helps protect the paint, it keeps it softer longer. The baked on enamel put on at the factory is tough stuff. But with the rapid "turnaround time" in the paint process, everything is cut right to the edge to maximize production, not to mention the "flex" additive for the molded bumpers in the paint on new cars.
Ive had paint on new cars "swirl" on me and its really hard to get out on subsequent cleanings/waxings.
I guess theres validity to both sides of this. Personally, I won't clay or wax until I've had the car for a couple of months. I guess its a personal choice.