I've lost a good number of decals under the same exact circumstances over the years. For just about every decal sheet I use these days I experiment with a decal or two from the sheet that I don't plan to apply to the model, to see if it will shatter or not.
When I do encounter shattering, I use Microscale's Micro Liquid Decal Film on the rest of the decals from that sheet. Key is to apply a coat of it thick enough to prevent shattering, but thin enough that the decal doesn't end up looking more like a sticker (with a thick, defined edge) when applied. I've learned over the years to cut coated decals with a wide enough edge that I can lightly sand the edge down to reduce the "step", then overcoat the applied decals with Future (followed by a dull coat, if that's the finish I'm going for).
Haven't had any issues yet.