Skeletal mesh decals?

I’m trying to find a solution to prevent bullet holes on the edge of the vehicle panels interfering with other panels like door etc. normally I just assign random stencil and stencil mask to prevent different static meshes getting decals from each other.

But couldn’t find a practical solution for skeletal meshes. the only solution so far is putting every panel in a separate static mesh which is gonna be real messy considering each car having 20 or so panels. And not sure if this solution would have an impact or the performance or not. Does anyone have an idea for this??