I have to agree...painting your insignias on might be more trouble than it's worth. Using a setting solution provides that "painted on" look without the extra effort (when done correctly). Check out the more popular modeling sites like:
http://www.modelingmadness.com
http://www.hyperscale.com
http://www.aircraftresourcecenter.com
Many guys use Micro Sol or Micro Set, but I have had alot of luck with Future floor wax. I typically finish my model with flat paints. I then shoot the model with a liberal coating of Future floor wax. I apply the decals by soaking them in a solution of warm water with a couple of drops of dishwashing liquid soap. I hand brush Future floor wax on the surface where the decal will be applied, then I apply the decal. When the decal is positioned correctly (you want to do this as quickly as possible) I brush the top of the decal with more future floor wax, making sure to push out all visible air bubbles while trying not to disturb the decal's position. I then dab any excess wax or water with a small piece of paper towel. Within a few minutes, the decal may seem to distort or wrinkle, but be patient. As the wax begins to cure the decal will settle into all details very hard, and it will take on the "painted on" look.
Give the wax at least 12 hours to cure before applying another coat of gloss for flat.
Here are a few of my recent builds, all using Future floor wax, no setting solutions. (All 1/48 scale)
Tamiya's J2M3 Jack kit decals (15 plus years old)
Hasegawa's P-40N Warhawk Superscale decals
Hasegawa's P-51K Mustang (built as P-51D) Superscale decals
Hasegawa's F4U-5 Corsair 'Reserve' kit decals
Monogram's P-47D Thunderbolt Superscale decals
Heller's AU-1 Corsair (CRAP KIT!) Victory Productions decals
I've been pretty happy with the results....A few have not turned out as expected, but that was due to my inexperience, not a flaw in the method.
Hope this is helpful,
Dante