RE: monokote over paint???
I have done it before and I was just very careful near the edges.
I thought about putting a layer of tape on the paint along the edge of the film, but I was afraid if I ironed over the tape it might pull up the paint afterward.
Just be careful and you'll be ok
BTW, if it's Top Flite, it's probably the same adhesive as MonoKote. Your best bet is to use Trim Solvent. Then you don't need any heat