If you have enough paint on the body, and a couple coats of clear, the paint is not going to come off while handling the body. Of course you need to let the paint dry for a week or two as well. I apply my decals after I do the BMF and before final assembly. You do NOT have to put clear over decals or BMF as that's a waste of clear. To protect the body, protect the decals, to protect the BMF, protect them from what, they are static models and sit on the shelf when we're done building them. We don't play with them, or leave them out on the deck exposed to the elements, etc.