I agree with the comments above. With regard to a 3rd coat, I tell my customers that a 3rd coat buys them insurance. Whether you have 2 coats, or 10, the the top layer of finish wears the same, and the floor will show the same amount of wear. The additional coat extends the time that it takes for the the finish to wear through to the wood.
This is important, beacuse as long as the finish isn't worn through, it can be recoated. A much faster, and less expensive process than sanding & refinishing. Either way works.
Keeping the floors clean, and clipping those nails will go a long way toward extending the life of your floor's finish.
Pete
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