The only thing that prevents silvering is a very smooth surface. Silvering is air that gets under the decal, which happens often on flat paint.
Flat paint is a misnomer really, it's not flat at all. Gloss paint is flat! I'll explain.
Matte paint is rough, breaking up and scattering the light rays, therefore reflecting less light, and so appears dull. It does so by creating hills and valleys that bounce the light away from your eye.
Gloss paint, on the other hand is smooth, thereby reflecting the light evenly back to your eyes.
When you decal over an uneven surface, the decal only adheres to the peaks, and can't conform to the valleys. This lets air under the decal and make bubbles. That is what silvering really is, bubbles.
This is why Future is so popular with modelers. Future smooths out the bumps that flat paint makes as it's self leveling. Then the decals can adhere to the new flat surface. Another gloss coat seals the decals for a painted on look, and the final matte coat knocks the shine back to where you want it.
It's too bad the paint manufacturers don't supply authentic military colors in gloss, and help us eliminate that step. I think that is due to the difficulty of getting a gloss color to have the correct shade while painting, knowing that is will be covered up with a matte finish in the future.
This applies to paint finishes for your home. Kitchens and Bathrooms are typically painted with semi-gloss to gloss finishes, as it cleans up better than matte finishes do. The dirt gets into the valleys of matte paint and are harder to clean.