with FI & assuming 304ss headers, which is probably the best you could hope for yours to even be really, wrapping is not a good idea at all & wrapping will promote premature cracking... the truth is, even ceramic coating is bad for the 304 stainless steel itself because it too is designed to hold heat in, while this is an advantage for performance it is a disadvantage to longevity of the header... the real "best" way is to run uncoated raw 304 headers & then building heat shields to protect the surrounding items from the heat radiated from them... this will allow the headers to last as long as they can, still not forever, but longer than wrapped or coated... the truth is that 304ss is really not ideal for an FI application & is really just a compromise, it's much better than carbon steel but each & every time the headers reach ~1,200*f or more the 304ss will have carbide precipitation introduced & the stainless properties will deteriorate little by little, these temps are unavoidable with FI when pushed hard...
to REALLY do a set of headers that will not deteriorate under these conditions then a higher grade stainless would be used, think at least 321 ss, but there your talking big $$, even 321ss, while raising the point of carbide precipitation by a few hundred degrees is not the best even, better would be inconel, but there your talking extremely huge $$$ & really not in the realm of reasonable at all for an average FI passenger car at all...
the bottom line, they will last longest if they are left natural ss finish... a race car may benifit a bit from the performance advantage of wrapping but at the same time they are sacrificing longevity... but a race car will not see the kind of mileage that a pass car will too & a race car can factor in the cost of replacing the headers every so often, not something you'd probably want on a street car... leave them raw for best longevity