If however you will be handling the model (playing with it lol) a lot, it might be a good idea. Decals, even the thick, unmanageable ones, are only a few thou thick (or is that thin???) and could be damaged by handling.
I agree. I apply a clear coat over decals only because I apply weathering using techniques that work best over a gloss finish. Once weathered I then apply my final varnish.