Some people seem to believe setting solutions and solvents are the same thing. I usually only use setting solution unless the decal will not bend and form properly in highly curved surfaces. And then I use solvent very sparingly. If you are not used to using decal solvents, I would practice on spare/unwanted decals before using it on good models.
I have found some brands of decals that deform and stretch even in setting solution, so I don't use it for those brands.
I find microscale products the easiest to find at my LHS.