I did a little experiment.
Used an old CD case, primed it with rattle-can gray, then airbrushed with tube artists acrylic thinned with Windex. Then AB half with Future and half with Model Master clear gloss. I thinned the MM with Windex, but did not thin the Future at all. I only put on 1 coat, and it was 1 heavy coat.
After approximately 32 hours, both were pretty tough. I could not break through either with a Q-tip and Windex. I was able to break through with mineral spirits, but I really scrubbed it down, far more than would ever be required when taking off a wash. So it would appear that either top coat will work if I give it enough time to cure.
I do not have a lot of experience, but I thought the MM was easier to use, and it had a smoother feel. I also think it is easier to clean up. Maybe the Future would have been smoother if I had thinned it and put on multiple coats.
I have not attempted to do any math, but certainly even thinned, the MM is way more expensive. Still, overall a small part of the cost of building a kit.