As said, one of the best things about vinyl is that it's so easy to take off. One person with no prior experience & a hair dryer can easily de-wrap an entire car in a couple of hours max.
If matt black is worth the money to you and you don't mind the prospect of never getting that £££ back at resale, then go for it.
Might add value to the car if you sell to the right person. If not, yourself you can easily remove it when you come to sell and it won't have negatively affected the value of the car in any tangible way.
Worth having a close up look at some wrapped cars though. OEM paint and vinyl really can be in a different league.