The debate was really whether or not ceramic coating the header was worth it if you're going to go ahead and wrap it anyway. Basically if you have a mild steel header you want to do what ever you can to protect it while also trying to keep the heat inside. This means the best thing to do would be to ceramic coat the header to protect it from rusting, then if you're really feeling fancy wrap the header with header wrap to really keep the heat in. If you can't afford to ceramic coat a mild steel header, the next best thing to do would be to paint it with high temp paint to try and protect it from rusting, and then proceed to wrap it.
If you have a stainless steel header the options change. Basically it's going to resist rusting from the get-go because it is stainless steel. This means ceramic coating it for rust protection is sort of silly, but the heat insulation of the ceramic coating is a good idea. Stainless steel however, is a much better insulator than mild steel, 2x or 3x as good. So already you're way ahead of the game. The ceramic coating on it's own is usually plenty good. If you're cheap, you can just wrap the header and not worry about anything. If you're really anal but cheap, you could paint the header with high temp paint and then wrap it. Ceramic coating and wrapping a stainless steel header on an N/A car is probably okay, but doing that for a turbo manifold would probably keep the manifold too hot, and then you'd run into other problems.
So, are you getting a stainless steel header, or a mild steel header?