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My G1U (silver) Subaru branded touch up paint kit has only clear coat and the silver pigmented base.
On the other hand the touchup kit for my red Honda VFR has a true base coat (which is white), a pigment coat (red), and clear coat.
It's possible that what you're calling a top coat has a separate function, because of what color your car is. It might be to increase the "depth" of the black base.
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