Mine "was" fully corrected and opti-coated. There's a few swirls here and there, most likely from winter. I try to keep it clean but I'm just too busy to give it a weekly wash.
07 subaru wrx
If the car was surgically clean then the rain drops should sheet off provided you're using a descent wax or sealer. There could be a minimal amount of dirt or dust on the surface that's "holding" the water in place.
I'll look into that tonight with the point and shoot, thanks very much for the info! I use my Iphone 5 and the girlfriend's canon elph110 (I believe, it is a cheaper model)