I've never used lizard skin, but I have heard good things about it. IIRC you have to use a special gun, but I think a 'shutz' gun is the same idea. From my experience though, a Shutz gun produces a textured finish. But that is a bit smoother than a regular bedliner finish.
I think a bit of texture is good. If the truck's gonna end up being a weekend warrior, well, when the footwells get filled with the 'stuff' your wheelin' in, that bit of texture will help plant your feet when manouvering over the next obstacle. Smooth, to me, would be like putting 'Armour All' on the stock rubber flooring. Textured would probably wash out just as easy as smooth.
Fire up that pressure washer!