GLTF
blender has built-in GLTF support
GLTF format
when exporting GLTF: it will create .bin file for geo data, .gltf for scene structure description, tex folder for textures
it is good for you want to replace texture later on, or just manual edit texture source path in gltf text file.
GLB format
it is basically above in one packed file called GLB.
related video
tons of gltf, 3d, web, openxr, webgl:
https://www.youtube.com/@khronos
GLTF property
Material
clearcoat property:
What is glTF Clearcoat? by The Khronos Group :
https://www.youtube.com/watch?v=OwdmeayHAdQ