Yes it will coat any surface except rubber. Yes it has UV inhibitors.
It's at least as hard as paint when cured and paint withstands clay bar treatments, so I'm not sure what kind of explaination would satisfy you. If you are legitimately interested in the chemistry and capabilities in a capacity more than a Professional Detailer's experience, Dr. David Ghodoussi at Optimum Polymer Technologies in Memphis, TN would be happy to help. There is a dedicated thread about Opticoat at Optimum Forums too for more information. I can tell its there from the look, from the beading, and from the ease of cleaning the car compared to my "experience" with the car prior to apply the coating. I think what you may have trouble getting your head around is that this is NOT an LSP, it's a coating. Once you get that concept down, you may begin to understand the capabilities.