From my understanding these are products aimed at different goals.
Xpel is for paint protection (think rock chips/road rash ect) while Opticoat is toward protection of the quality of the pain work (think less waxing, less effort during car washing ect).
My understanding is that opticoat would not protect against chips and rash. And my EXPERIENCE is that Xpel is not "invisible" and once you scratch that puppy it's like having crappy pain all the same (but you can always remove it to find brand new paint below; though they are now making a "repairable" film these days). Opticoat will be a pain to remove if say you have to do repairs/ rock chips ect...
my 2 cents.
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