Some dealers and some furnature makers offer this. The "paint" protector is just a wax. The cloth is a true coating that lasts for a few years. They expect you to turn your vehicle over after 3 years average, so they base the cost on this and the life of the product, etc. Bean counters. When its all said and done, I bought leather instead. Much more tear and stain resistent to begin with and I like the feel. 
