FOMO. Fear Of Missing Out. I used to use PPG but they didn't mention tack though I hadn't read any of their Tec for years. Now moved to max meyer. No my point is, I've never flatted pre clear coat as it would knock back the metallic or mica and I would assume to a lesser extent, tacking would have a similar affect.
Ive never flatted before topcoat on base and clear, as you say it would absolutely wreck the finish.
The tack rag won’t affect the finish, have to make sure it’s not soft and be a bit careful. Try it on an old panel.
Have you only changed because of price or what the factor stocks.