Stay away from Seche Vite as a topcoat. It's LOADED with one of them, I forget which, but might have all three. I'm pretty sure my Sally Hansen Insta-Dri topcoat is 3 free. A good topcoat helps keep manicures from chipping, too.
I still use it but not every day - mostly when I have a glittery or shimmery polish that's rough and I want to smooth it out. For cremes I use insta-dri but it tends to crack on me (is that weird? It only happens with this topcoat but I can NOT wait for non-almost instant topcoats to dry).