It depends a lot on the frame/quality of paint as well. My Cotic Soul was down to undercoat showing after one (dry, 30 mile) ride, my Croix de Fer has lasted about 2500 miles of bag use and is just starting to show wear. Helicopter tape is a good idea, but I'm not precious about my bikes. (Was disappointed with the Cotic though TT looks like shit now.)
I don't know what Cotic use but it ain't good. In your position I would go for a powder coat colour with powder clear coat on top - mainly for durability and cost effectiveness.
It depends a lot on the frame/quality of paint as well. My Cotic Soul was down to undercoat showing after one (dry, 30 mile) ride, my Croix de Fer has lasted about 2500 miles of bag use and is just starting to show wear. Helicopter tape is a good idea, but I'm not precious about my bikes. (Was disappointed with the Cotic though TT looks like shit now.)