I have been using a mix of 1/2 water, 1/4 409 cleaner, 1/4 isopropyl alcohol.
The alcohol does a great job of dissolving the oil residue. I have been using this mix for about 3 yrs. and have not noticed any problem with covering or decals.
I always spray my towel and then wipe the model. This might be why I don't have adhesive and decal problems on my plane. less liquid sitting on the surface. Wipe On - Wipe Off.

BTW:   Isopropyl is great for preparing a surface for adhesives such as decals, clear tape bandages and heat sensitive covering.