Which, it bears repeating, makes it completely unnecessary to apply clear coats at all — except if you want/need them to make the decals adhere better, of course. But you don't need one to protect the paintwork underneath from an aggressive wash.

However, there is one "risk" in water-based washes, in that they're more likely to form tide lines at the bottoms of inclined or vertical panels. You will need to keep wicking away the paint that builds up there while the wash dries, and may have to drybrush over it with the colour underneath the wash to get rid of it completely after it has thoroughly dried.