I disagree. It's not the belt rubbing. I've moved my Velcro strip -- and you're right, it could be any type of pad -- so that it covers only the belt...
There's no big mystery to applying Opti-Coat 2.0. The liquid comes in a syringe and you apply a few drops to the pad. Then you wipe the material all...
I've been seriously considering the Opti-Coat 2.0. Of course, time is one of the considerations. The time it takes to wash, clay, strip, polish, IPA...
While not knowing completely the situation, the scratches (really?) and swirls might have been from your washing technique. Did you rinse thoroughly...
I've taken my car twice to the service center to investigate a rattle in the B-pillar, whether it is associated with the seat belt mechanism or not....