I don't think UV degradation is such a major problem in the UK. I did a pair on a Clio, the driver's side was getting so bad it was borderline for the MOT, and that car was only 7 years old. The headlights still looked perfectly okay with no yellowing when I last saw the car four years later, and that was without any special treatment - I think that's pretty good considering that some headlights are showing deterioration 5-6 years from new.
A good finish on the surfaces seems to slow further deterioration. Obviously, a regular wax, or better still something with UV protection, is always a good idea.
The polycarbonate used for headlights is basically UV stable, it has to withstand the intense illumination from the rear, which will of course have a UV component. There is additional UV protection in the hard coat, but I don't think you should get too hung up about removing the hard coat, if the alternative is a new headlight.
I also like the idea of retrofit LED headlight bulbs, but if you do consider going this route, make sure you buy only the type approved CE marked ones that culzean recommends. Don't be tempted by the cheap ones, they are not legal for UK road use.