you can easily replace the fluid in either yourself. I wouldn't let service guide my decision. I would let longevity play a role, but cvts are new enough Im not sure the longevity of them can be...
study the list above and ask yourself: after all the excitement of a new car wears off, once its filthy and scratched an dented what features will I have really really needed and used.
regarding the reflection in the windshield, alot of ways to eliminate that. some super fine sand paper or even maybe some steel wool or you could look for some flat black adhesive decal or krylon...
I don't think I would use a coating until I spotted rust. myself I would smear paste wax on the parts you're worried about(dont wipe or buff it off) and pressure wash the undercarriage alot. Ice on...
