Mike, you do not have to use the gloss black with any of the colors you listed. I have those you listed and they work fine over bare plastic.
To amend what someone else said, decals go down fine over Alclad but the company does not recommend using any setting solutions over the chrome or polished aluminum. I havent tried it to find out why.
Some advice.
1) A little goes a long way and does it fast. Definately be gentle on the trigger or you'll empty the cup in a flash.
2) Like most NMF paints Alclad goes on very, very thin. Do your best during construction to protect the plastic from abrasions and cuts. Any putty work needs to be perfect or it will show through the Alclad in the form of a lump or valley. With the usually flat paints we use the most it's easier to hide little imperfections under a heavy coat of paint, gloss coat, decals, gloss coat then flat coat. But the Alclad will betray you in a heartbeat if there is a speck of ameoba doo under it!
3) If you use it over bare plastic GO VERY LIGHT. Being a laqcuer this stuff will waste styrene in a hurry. Trust me. Only one heavey handed blast left me wet sanding some gear doors once. What I do over bare plastic is dust it on, alternating paint on, paint off while keeping the airflow going just like I was still applying paint. The stuff dries very fast and can be imediately over coated. So I dust, blow, dust, blow. This allows the air blast to speed curing. In a couple of seconds dust again. After a couple of these coats then I hit it with a heavier coat without ill effects on the plastic.
As said before, the gloss black is not required under most all the Alclad paints but personally I prefer to use something as a primer. The idea is simply to fill in the pores of any putty and provide a uniform finish over the entire model for the Alclad to be applied to. I've found that the glossier the better for the final result and usually use a heavy coat of future as a base. Sometimes two or more. Enough to make the surface look like glass has worked real good for me. Best to let the Future dry for a couple of days before applying the Alclad.
As mentioned, once dry (in about ten minutes) the stuff is just about indestructable. Tape to your hearts content.
After your first time using it you'll love it and wonder how you ever did a NMF without it.