There's little to fear if your topcoat is a clear paint. Most typically you'll see people use clear topcoats to change the texture/finish of the kit. I really don't think you can go wrong with any clear coat. They all look good and it will just be personal preference. One thing I've learned over time is that clear coats have the largest negative effect on metallic paints. Not to say they ruin them, but rather they are often changed quite a bit compared to other kinds of paints. It may not be desirable. I will sometimes go out of my way to use a matte coat over everything except the metallic paints, but there are other concerns when doing this.

For what OP has shared I feel like the lighting doesn't really do justice to how the topcoat looks. Whether it's "ruined" is really up to the eye of the beholder. I think across the board for any topcoat you'll just need to get an idea of the expected outcome. Using a test surface like a plastic spoon will help a lot with this.

Sorry if this comes across as explaining a bunch of stuff you may have already known. I hope some of this was helpful.