NO, it would not be worth it to use the 99 cent. There is only one kind of spray paint you need to use. Krylon. And yes, it is worth it to clear coat it.
NOTHING works like Krylon. And how long it takes it to flake/chip/etc. depends on how good of prep work you do before laying it down and how clean you get the surface. Do the prep work properly and put some of that Krylon on and clear over it and it isn't going anywhere. I did it on my bike and haven't had 1 chip since then.
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