It'll lull you into a false sense of security. I've had many paint jobs where I shot the color the night before, and then decals and clear the next night with no problem. Try it on another model (especially if red or white is involved) and it wrinkles up. I also find that certain colors are more sensitive than others. Particularly, I've had issues with gloss reds and gloss whites.
I finally decided that if it's a model I care about, I'm just going to give it a week or more before I'll risk the clear coat. I've also learned that (for many reasons), you need to be super conservative when you hit with the clear too. Give it a few light dust coats that'll dry fast, and not let the under coat get "wet" enough to be affected by the solvents in the clear. After a couple passes of misting, and once it looks like I've got it fully covered with a (probably pebbly-looking) coat of clear, I'll give it a heavier top coat to even things out and get the glossy look.
This is good practice with clear coat anyway since it's so low-viscosity it'll run or sag if you give it a dirty look. Also, (since it's clear) it can be hard to judge the film depth, so it's really easy to put on too much. I've used that technique "safely" in situations where I needed to shoot the clear due to time constraints, and I'm borderline on cure times. With a 7-10 day cure, you don't need to be quite so delicate.