You need the top coat if you use ink-jet printer. And the paper itself *must* be designed for ink-jet printers
If you use a laser printer, there is no need for top coat. Any decal paper should work with laser printers
If you use a laser copier, there is no need for clear coat and you can use any paper. If you don't have a laser printer, the best way, probably, would be printing the decals on a normal paper with your ink-jet (highest possible quality) and then taking it to a copy shop to have a laser copy taken on the decal paper.
You should, of course, note that there is no way to represent white unless you have an ALPS (?) printer. You probably don't. hence there are three types of decal paper: clear (no white necessary), white (obvious), and blue (for use with ALPS printer).
Hope this helps.
You should feel lucky, because your hobby shop has the stupid paper!
Jay: :finger: j/k