I assume you have a bathroom - does it have a vented fan or a window? Spray paint/varnish will continue to off-gas for a while after it becomes dry to the touch, but the volume of solvent leaving is minimal, even if the smell doesn't suggest it. I generally try to spray outside, give the models a few minutes to lose the wet shine, then pop them in the bathroom with the door closed and the fan running to contain the smell (again, it vents to the outside - if you're bathroom is sealed, it would likely linger even longer than... certain other smells you're likely to encounter there).
If I spray outside, I usually don't have to worry about the solvent smell lingering on my clothes, let alone actual overspray - I just place myself upwind of the models before I let loose with the can. With a slight breeze, I don't even smell the solvent. If space is too limited to allow you that freedom, a cheap apron, smock, overshirt, etc. will catch all the smell and mess and can simply be left outside until the smell dissipates. The filter mask will take care of any health risks, although I wouldn't consider them particularly high if only occasionally spraying outdoors, even with still air.
No harm in a bit of precaution, but I wouldn't worry, overmuch. You're already being more cautious than most and model painters aren't dropping like flies.
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