I think a touring bike that occasionally is packed up for travel is much more likely to have the decals damaged in regular use than a bike used for other purposes. I am sure my decals would look pretty bad on my yellow Nomad after packing it up a few times in the S&S case if there was not a clear coat over them. There is visible damage to the paint in a number of spots on that bike, but it is an expedition bike, there are supposed to be a few scrapes and scratches in the finish.
The clear outer coat on my Nomad peeled off in a few spots, not sure if the frame was not prepped well enough or if the clear coat was off spec. But fortunately it is not easily noticeable unless you are close enough to the bike to be working on it. The decals in this case fortunately have remained looking good. I think the clear coat that peeled off was not on the decals, only where it was over the other paint layer.
The top clear coat on my Sherpa looks great.
I have several other bikes that are not used for touring that have a lot of miles on them. They have not been packed up for travel since I bought the frames, those bikes do not show any wear and tear on the decals and the paint looks great. I think how a bike looks depends in large part on how the bike is used and the potential for that type of use to show on the frame. Touring can be tough on a bike finish.
I put a used Surly fork on my Titanium bike. It took a lot of work to get the decals off that fork before I sprayed it a different color.
Some people remove the decals in an attempt to make the bike less likely to be stolen, but I am not sure how successful that is. I do not park my better looking bikes in high theft areas, for example when I ride a bike to the local University campus, I take my early 90s vintage Bridgestone that has a lot of rust on it. And when I park my Titanium bike somewhere, I use my best lock since that is my most expensive looking bike.