http://www.keelguard.com/scuffbuster.html
I've seen the keelguard itself peeled back when a runabout was underway. I will chalk that up as poor install. I plan to get my hands on one sooner than later.
As for the vinyl clear, most wraps have them because they are the UV shield for the graphics. I was just thinking for an "on the cheap" quick and dirty fix, multiple layers will help. I like the carpet on the boat buddy idea as well, seen a post about it on here somewhere.