The flats dry and cure quite quickly. Dry in a few minutes, but usually at least 12 hours to cure. In the first few hours, even though dry, they are easily scratched. When cured though, they are very hard and tend to shatter rather than scratch cleanly (if that makes sense).
The gloss paints are a different animal though, and as described, form an impermeable skin on the surface and then dry and cure super slowly. Sometimes the underlying paint can still be soft up to a week to ten days later even though the surface is ostensibly dry.
I've found masking over metallic Tamiya acrylics can sometimes lift even when cured. I'd recommend a clear gloss coat as a sealer before masking over.