1. In the Model window, hide everything that you don't want to see Click to view attachment
2. Create a New Action, make sure you are in front view (that's 2 on the keyboard), and go into Muscle Mode (F7). Select all the CPs, and click Scale Mode (or 'S') - 'a' on the pic, Click Show Manipulator Properties - 'b' on the pic, and change the Z scale to 0 - 'c' on the pic.Click to view attachment
This will flatten the model. You can move the points around too to show all the patches better - remember you are in an action, so this is not permanently affecting your base model.
3. Print the screen (Shift + Prt Scr) and paste it into Photoshop or equivalent (I use Photoshop Elements / Twisted Brush / Dogwaffle). Crop it so you only have the relevant area showing. Create a new layer below this one, and change the pasted layer blending mode to Multiply (so you can still see the lines while you paint). I changed the grey to a white too. And Paint. Save the decal as a jpg. Keep the lines layer in the jpg until you are happy with the way it lines up.
This is my decal - you can see how I moved the CPsClick to view attachment
4. Back in A:M - Make sure you don't touch anything. Don't zoom, or change anything. You should still have your action up on the screen.
5. Right click Images and import your decal.
6. Right click the MODEL and click New > Decal and choose your decal image.
7. This image should now show on the Action window. It should also be exactly the same size as your model, so you can line it up easily. If not, you will have to stretch it. Right click the decal, left click Apply, and right click the Decal and left click Stop Positioning.
8. A spot render gives me this:Click to view attachment
(And don't comment on too many splines, it's a WIP!)