Has anyone cleared over Top Flite decals before without wrinkling?

I have.

I "dust" them lightly with flat clear to take off the shine. Let dry 10 min or so between light coats. Works for me.

Good Day.

mask out the patterns with maskin film (i get mine from sign writers), and pant them yaself, they dont come off that way. top flight graphics arnt hard to reproduce.

Resist painting over them if you can. If anyone ever screws up a paint job it's usually the clear coat, especially clear coating over decals. If the paint is a solvent based paint you can get by if you lightly dust several coats. If it's a two part paint, the reducer or solvent will eat the decals unless it's dusted very carefully and even them it's a risk.

Don't paint them. Mask it and paint your own.