Lary...
Have never had Solvaset be so aggressive to any of multiple decal films I've used! Very strange, indeed.
Actually, I tend to find Solvaset that is rather old seems to lose its 'mojo'. So, before I begin a serious project having a lot of surface relief and with one-only set of decals, I'll buy a fresh bottle.
If I have any doubts whatsoever about a one-only set of decals reacting to Microscale, Walthers, or other setting solutions, I'll consider trying pieces of the decal set that are not critical/useful to the finished project on some scrap material having the same texture and paint as the model. That way, horrific surprises are minimized. (No need to ask how I learned this lesson!)
I would also suggest your approach #2 might be worth additional consideration. I find any amount of gloss (even semi-gloss) on a surface helps with the decal bonding and subsequent setting. However,...and especially if you will apply a final dull/flat clear over all after the decals have been applied..., do not apply the gloss sub-coat to a local area, only. IOW, only where the decals will be applied. My experience is that the dullcoat will not have a consistent appearance over the entire model if the prior surface finish (gloss or semi-) is not equally consistent throughout.
FWIW, of course...
KD