I do a great deal of heavy work on my workbenches and the tops take a beating. I do have a bench that I do most train work and I built it the same. The table tops are two layers of MDF. Since I marr the tables a great deal I place on top of the MDF, a sheet of 1/8" hardboard. I do not glue or attach this in any way only molding banding the workbench keeps the hardboard in place. That way I can lift out the hardboard and replace it when necessary.
I have 15 amp and 20 amp outlets and an ethernet connection above my benches. This picture appears to be before I banded the workbench with 1x2 and rounded it over to help eliminate gouges into the banding and for appearance.
The following is one of the reasons I like a replaceable top.