I don't think it'll be very burdensome is this case, as it's a fairly smooth car. You get into trouble with all sorts of small angles, like in complicated waves. But it would make your car really polished. And if you want some dirt over that shine, just add another PF after the reflective shader with one color (or through a surface shader set to 0.5 coverage). You can even blend that dirt by a distribution shader (max height) to get only the underside dirty... etc, etc.