I think it comes down to how and where you ride, powder coating will scratch and wear off
and also, how much you want a certain LOOK< over being more a hard use!
and also, as always, your budget!
like all things, its a personal choice IMO!
I know for a fact POR 15 cures about as hard as powder coating does, and could be a cheaper way to go, but that's your call!
so would having them say bed liner coated, might hold mud more though with that on wheels! but it too can be colored to what ever color you wanted! and be MAYBE cheaper than powder coating, but GOOD liner won';t be much cheaper, get what you pay for in liners IMO!