Dean I take it that you are on the South side of Brissy if you go to Hobby One. I have a bottle of Mr Setter marked "Mr Toys" which will be the Springwood store. From memory it is not always in stock because I recall chasing it all over the State when I was travelling (Townsville, Mackay, Rockhampton and the inner city shop that has now closed) before getting it a couple of years ago.
I had some mixed results with Mr Softer on its own and had actually located some Micro Sol and Micro Set and have generally used them for the last couple of years. On occasions when the combination of Micro Set and Sol have had little or no effect on decals I have used the Mr Softer and Setter pairing with success - but for the life of me I can't recall the manufacturers of the decals involved.
I was in Daft Crafts & Mad Models at Beenleigh a cou0le fo weeks ago and don't recall seeing any Mr Setter there.
Regarding the gloss coat - I use Johnsons Shine Magic which in an internet article some years ago was called the Aussie equivalent to Future - along with Pledge One Go, and I have always let it dry for at least 2 days before decalling and I have had no problems with milky patches.
Brian