if you get decent quality stuff that has no texture it will be fine, clear coating wont be needed and wont stop if from fading, if its good quality they should supply an direct sun outdoor lifespan.
if vinyl is decent quality it should not peel off... I personally would never use carbon film, as I dont believe the carbon look will last, its just printed on, where as solid colour vinyl will keep its colour for years as its the actual colour of the material not a colour printed on white vinyl or anything like that.
Go real carbon, they its guaranteed to look good and wont be an issue in the future.