I've personally never had an issue, but I know some people have. I'm not terribly sure how to make it work out. A few things I can say, though.
First, my top coats are all VERY light mists. I don't completely drench the part for that exact reason. I just load some Future into my airbrush and mist the part. If I'm doing a spray can, I just tap the nozzle to get a burst of coat.
Also worth noting, while I don't know the cure time of Future or any sort of top coat, I'd say wait a minimum of 24 hours before you assemble and start posing. 36-48 is probably safer. I'm going to do some research, though. I know you always want to let your paints cure before moving on as it prevents potential chipping issues there. I would assume the same can be said for top coats.
For real inspiration and answers, I would seriously consider joining
Gundam Eclipse. If you have no desire to post, just browse the WIP forum and the finished products. They have SO much experience and knowledge, it's crazy. I'm still learning everyday on that site. Any question you can think to ask has an answer by someone on that site.
They also host group builds and challenges - 72 hour builds, weekend builds, etc. It's insane to see the results these guys get in 3 days of building and painting. It's also impressive because you can see how they can take shortcuts to still get fantastic displays. Obviously not competition quality, but display quality EASY. Check that site out in your spare time.