Dave I wish I had a solution to your problem but applying decals always seems to be a hit or miss proposition for me. I have been modelling for over 50 years and i still get a little anxious when it comes to applying decals thought some brands like Aeromaster, Eagle Strike or Cartograph seem to be the most forgiving and obtain good results.
Here's a case in point: A while back I applied some Aviattic lozenge and when it dried the decal had numerous bubbles trapped under the decal and I couldn't think for the life of me what could have gone wrong. I have used Aviattic decals in the past with no problems. Well, I tried a second set and they went down without any issues. The only difference on the second application was that I used Testors Glosscote for the gloss finish under the decals. The first time I had used Tamiya Acrylic Clear for the gloss finish. I don't know if one being a lacquer as opposed to the other being acrylic had anything to do with it, but to the best of my recollection that was the only difference. Same warm water, same decal setting solution (Gunze Mr. Mark Setter), same application technique.
What I can't understand is that why is it so hard for companies to make good decals? I'm not talking about the quality of the printing. I'm referring to the overall quality of the decals. I can't believe that it's some guarded secret formula on how to produce good decals.
I recently tried some older Roden decals which are noted to put it politely "troublesome", and they did want to fracture rather easily. I tried a second set after applying some Microscale liquid decal film which is designed to keep the decal from fracturing, only to find out that now the decal would just curl up upon itself as it dried. I even tried some white diluted glue to no avail. Older Roden decals are also impervious to any decal solution known to man. Even the strongest Walthers Sovaset has no effect on them. I'm hoping that my replacement decals when they arrive will perform better.
Here are my recommendations that seem to work for me.
1. Use a lacquer or enamel gloss clear or color coat under the decals.
2. Use clean, warm distilled water
3. Cut the decal to basically fit the area eliminating as much clear film as practical.
3. Don't try to cover too much area with one decal. (for lozenge on a wing one piece may work for 1/72 scale but anything bigger will
require multiple pieces.
4. Use a decal setting solution to help eliminate "silvering" and bubbles
5. Use a Q-tip or soft cloth to help press and or roll the bubbles from underneath the decal.
6. Only use a decal softening solution for "difficult areas".
And maybe MOST important don't forget to say a prayer to the "decaling gods" before you begin.

Good luck!
Chuck