Floyd,
I don't mind if you call them stencils when they are not. No harm in that, but professionals my be thinking stencils just for a bit.
Vinyl transfers are more preferred. No big deal.
Gotta be careful with heat, I supply vinyl graphics to scale model builders who actually use a "bit" of heat to burnish vinyl into wing stitching. Vinyl can be destroyed easily if heated improperly.
The "transfer paper" to which you refer, is available in a couple of contacts, heavy and medium. I always use medium when I send vinyl to modelers. Never had one complaint after 17 years of providing modelers with vinyl graphics and lettering.
Here's the thing and I'm surprised you weren't aware of it?
After the graphic is applied, the surface transfer or "release" paper can be wet. Wet it with a sponge! When it is wet, it looses it's adhesive abilities and is really easily removed. Falls apart, not like toilet tissue, but close.
Modelers with graphics on open bay wings take advantage of this trick. I always give up this information.
Yes, I would say most professionals know this also.
Adhesive residue. Easily removed without hurting the substrate if the proper chemicals are used. I use a special remover. 3M makes a product that is offered at automotive supply stores. Used for vinyl removal and the removal of vinyl pinstripes. Works like a charm.
I stay with all my customers right up until the last graphic is applied, helping in any way I can.
I've been a modeler my whole life. A very happy modeler!
Charles