mainly depends on the make up of the decals, if they are a single colour cut vinyl there is no need to clear coat them, this should be the same quality as Automotive vinyl, used for vehicle liveries and should be good for at least 3-5 years
you can tell if the reverse of the decal is the same colour as the front “pre-coloured” vinyl
if they are a solvent print onto a white media base and the bike will see regular use its worth clear coating the frame, just watch how it’s cured, in most cases don’t oven bake the frame to cure the clear coat, the very high and then low temperatures expand and contract the vinyl and cause cracks around the edge of the decal
if you use a 2 pack or air dry lacquer you should be fine, but always best to do a test if possible or talk to your painter
other option is request the decals have a laminate after print, ideal for large “wrap” decals but not really for small individual decals
if you have some “unique” decals always worth getting a scan before fitting, just in case you need a second set
Hope this helps