I have one in Lake Placid Blue, and do love the guitar in spite of the fact that i was always in the camp of "I don't want to pay someone to beat up my guitar."

It does have the advantage that I won't cry the first time I put a ding in it. Heck, I've had it for over a year so could have already dinged it without knowing!
I couldn't rule out a top coat. Mine has minimal checking, and it's hard to feel with a fingernail. I can only feel it in one area (although multiple check lines) and it's slight.
That spot on the back just doesn't look real, of course. If it were real-life belt-buckle wear, there should be more surface scratches around it, and there aren't. Held at an angle to the light, mine has a pretty noticeable gloss to it, much like the painted body. It feels almost like the painted area to me as well, so maybe there is a very light topcoat.
I'm a chemist and I'm sure nitros, urethanes, polyesters, etc. all look different to a spectrometer. I'm not curious enough to take a chunk from my guitar to analyze it though. If anyone else wants to, I might take it to work...