Originally Posted by GMZ

Your clear coat is most likely fine. Get a clay bar kit from Pep Boys and clay the whole car, that will probably fix this problem. Its bonded contaminants like tar, sap, and rail dust that make it feel that way. And when you pick it up from the dealer they (and you it seems) just wax right over it. If you clay it and it doesnt feel like glass after than Id take it in.

Edit: The top half feels coarse because theyre horizontal surfaces and the contaminants stick and bond to those easier. Id need pics of the bumper to understand better what exactly it looks like.