I've been using oils (ivory black Grumbachers) thinned in oderless mineral spirits for years, over MM enamels sealed with Testors flat laquer. I do not wipe.
I think just once in probably 50 models did it get through it and take some paint off, probably because I had yet to master the technique at that time. (Once applied you have limited working time and cannot double back until dry)
I would be interested to know if anyone makes an acrylic flat clear, that would be comparable to what the Testors flat laquer does.
The wash I have described above results in a dead flat finish, which is what I want. I just did Trumpeter's 1/35th LCM last night, and once again am very pleased with the results.