Yes, vinyl wraps are not durable in the sense that it's not like PPF. It's much thinner. It may protect against some road debris but that's about it. It's more for changing the color. Depending on the quality of the film, it should last about 4-5 years. In terms of assurances and repairs, I'll ask them, but if something happens to the wrap, I'll probably have to pay for that section to be redone, but I'll confirm.
Now if you have the money to spend and want to protect the original paint, you can do PPF first and then vinyl wrap over that for aesthetics. In terms of protecting the vinyl, I'm not sure if you can PPF over vinyl. I'll reach out to the shop. I have to bring it in for final touch ups in a week. I'll report back.