Hi, Eric - I am rather new to Alclad myself, so with only three builds finished with it so far I'll lend my limited experience. I replicate military aluminum finish in service, well maintained but not polished. Personally, I didn't care as much for the gloss black primer coat as I do the Alclad gray primer, that seems more in line with what I try to get when the NMF is applied. So far I prefer Aluminum 101, compared to the others.
I think Pawel is correct, when you have the NMF to your liking you have several clear coats available, to make the end result as you want it. And I think a clear coat for protection against handling is needed, as well as for sealing decals. For me, Alclad has been easy to get familiar with and user friendly, but a SMOOTH primer finish is a definite must. Best of luck with it.
Patrick