Optimizing decals

I really like adding in as many decals as I can fit, like stickers, posters, graffiti, cracks, dirt, grunge etc. into my scenes to make them feel as real and as lived in as possible, but the problem is they eat up frames because every pixel they cover essentially has to be rendered twice.

Is there a way around just sticking thousands of decals everywhere? Is there a way to use vertex painting, master materials, trimsheets, or export UE assets to Substance and back that avoids completely retexturing every asset I want decals on?

Or am I stupid and all is this fixed by UE5 and I just have to buy another computer and wait for it to leave beta?


ps: try multiple uv sets