These various coatings are common on industrial tooling and applications where you're more likely to dull the tool than have it break or otherwise be damaged.
Most of my shaper tooling has a NaDia coating, developed by
TWT tools. It's challenging to produce a 1-1 comparison since, for a given tool, I have only ever used the NaDia coated inserts, but I've run hundreds (if not thousands) of lineal feet of various species, and the cutting edges remain extremely sharp, only requiring an occasional resin removal if I've been processing a lot of pine. That being said, the edges do eventually dull, but my perception is that they outperform untreated carbide.
Rangate offers Tersa knives with the
NaDia treatment, but they don't have a combination which works with my 520mm cutter block. As I'm typing, I'm remembering that I need to follow up with them to see about coming up with a combination which would work. I don't know what the underlying blades are (M+, HSS, Chrome, etc....), so I don't know the hook angle and therefore how they'd perform with different species of wood. The stock Chrome and HSS Tersa knives have a 40 degree hook angle and are best suited for softwoods like Pine, Cedar, Fir, etc...., whereas the M+ and Carbide Tersa knives have a 55 degree hook angle and are better suited for hardwoods like Oak, Maple, Sapele, etc....
In terms of router bits, this strikes me as a scenario where the coatings are worthwhile on tooling that will see a lot of use on CNC machines, where you have finely controlled feed rates and stock selection, where you're less likely to break/chip/damage/overheat the tooling, and more likely to actually just wear it out.
For hand-held routers, I suspect that the coatings are overkill. I don't think they'd necessarily be a problem, but I wouldn't pay extra for the coating on a bit where I'm much more likely to chip or otherwise damage the cutting edge long before I'd begin to dull the carbide.
That being said, if you're running a router table with a power feeder where you can control chip loading, and are dulling bits without breaking them, then there's likely a case to be made for the coatings.