I recently started paining my nails. It's definitely very handy that it easily gets of skin because I can't for the life of me manage to only paint my nails. I'm currently looking to get those top coats, because the nail polish chips off pretty easily after a few days, which is quite annoying.
If the surface of your nail is uneven it will also cause your polish to chip. My nails have these vertical ridges, which if not smoothed out cause polish to chip very quickly. The natural growth pattern of my nails + engaging in activities like gardening, hand washing dishes and clothes means I generally get about half a day of fully polished nails before the polish starts to chip.
Here's an example of the ridges to which I refer in the paragraph above:
Oh if half a day is the bad case, then I think my nails are doing pretty well. Usually it takes like 3-5 days for the hardest hit nails to start chipping off. My nails seem quite smooth. Or it's just that the nail polish I'm using is goated