I'm not 100% sure, but I've had bad luck adding more layers after the top coat is applied. I generally do a base coat, two color coats, and a clear coat.
I find that doing my fingers is one of those things that I have to get zen about, because I usually scratch them pretty fast. It just happens too often for me to be precious about. If I want to put a lot of effort in, I do my toes, which last a lot longer before they get scratched or chipped. I watched some beauty videos, which helped me get a better technique down. You can also experiment with different brands, some of the more organic, PFAS-free nail polishes seem to work better, but YMMV.
I wanna do my nails in rainbow colors for pride :)