Zeiss invented AR coating for photographic lenses many years ago, so probably their fluid is safe. Not
sure about Windex, although if you get the one made for car window interiors (for use on windows with
tint film applied) it probably is safe. I sometimes use liquid soap such as Ajax, or liquid hand soap,
rinsing with warm water before and after applying the soap.
As mentioned above, the preferred method is to rinse with running water before and after applying the
glass cleaner or soap (regardless of which one). The first rinse will help to remove any physical debris
or dirt on the lens. Obviously, body oil smudges will require some kind of soap or cleaner. So when
using a "cleaning wipe" be careful to not polish the lens with the wipe and be gentle and extra careful,
since it may not be convenient to rinse the lens with water before and/or after using the lens wipe
(which is probably why you would use the wipes instead of spray bottle).
IMO, Kleenex tissue is fine, if it used only to absorb any excess water after final rinsing. Do not wipe,
just absorb any remaining liquid from the lens. With high-end AR coatings, the water will bead up and
can easily be removed without wiping. The idea that using a cotton microfiber cloth is better than
tissue, may be true in theory if the cloth is absolutely clean each time, but that is not practical. Never
"polish" a lens with any cloth or material.
IMO opticians don't always use the best lens cleaning procedure, since they deal mostly with new
lenses, and if they do it improperly when the lens is new, probably no one will notice any adverse
effects immediately, but if done that way over a period of years, the effects could be damaging.
Besides, they have a vested interest in getting you to replace your lenses every few years or so. Not to
mention, that in many optical stores, there are often some low paid (and low-skilled) sales staff who
are not really all that knowledgeable.
The Zeiss Carat Advantage coating on my Zeiss ID lenses are now 5 years old, and coating is in
excellent condition.