OK, I answered my own question on this by making a few phone calls. There's a car paint shop here,
http://www.earlscheib.com/index.php, and they gave me the best answers. Here's what I found out through them....Yes, the paint coming out of California is water-based due to the regulations there. However, they have to use it in their shops out there too and have had no problems with theirs bonding, chipping, etc. He also said all of the states would eventually go to water-based as well, in his opinion.He said they would have to "rough" up (sand) my car first for the new clear coat to adhere. The total cost for two coats would be $300 plus tax. He also said I could wait a few years to do it as he saw no real advantage to doing it now.If anyone read these posts and was interested in a solution to the paint problem, I hope this was useful information for you. I decided I will watch and wait a year or so and see how bad it gets.