I'd assume you can use anything over a filler. I've never had any problems with oil on water base filler or the other way. You also mention "Poly" as being very hard, do you mean polyurethane or 'ploycrylic'? I would not use a polyurethane anything on a guitar, maybe some people do, but that's just me. For your black you might want to check out black lacquer. It's like the clear lacquer, only its not clear and its black, and i mean black black, you can also tint this to get your piano black. As for the red, i would prime and then mask, it will be very hard to get a red over the black to look good with less than 3 coats. Good finishes are the ones that are maybe a few mills of finish but look a mile deep. Building up finish reduces the finshes stability and then you run into problems with possible cracking, checking, dings and dents. Whatever you use, make sure they are compatible to stick to eachother and the topcoat you apply is compatible with your undercoats.
Here's how i would do this:
-Paste fill and sand
-Prime the body and bevels with a thin coat of a SANDABLE primer or a sanding sealer depending on your finish type. Scuff the primer(or sealer) with a Fine grit sanding sponge.
-Mask body for the spraying of the bevels. Make sure to leave 1/16" outside of the bevels open so the red can coat onto the body some.
-Spray your red in a thin coat, sand that. Repeat spray and sand untill it is solid red. Do not just do this in one thick coat. 3 coats is what it may take, removing half of what you did with sanding after the first and second coats. Make it smooth but not polished, scratches help new finish adhere.
- Remove masking and mask off the red bevels you just did, ON the bevel.
- Sand down your 1/16" red band on the rest of the body to near nothing leaving something there to bind the black to the red. There should be almost no lip of color on the body, just a smooth feathered transition
- Start with your first thin coat of black, and sand it. Repeat that in the same way you did the red. Use thin coats and make sure it goes to all black.
- Remove the masking from the red. You now have a lip in the finish at the bevel.
- Sand the lip out of the finish using a VERY FINE grit sand paper or sponge. Be careful to not remove too much of either red or black. If there is a slight lip left it can be removed with the clear.
- Spray your first thin coat of clear, Sand that very smooth to a near polish. You can also remove more of that lip now if you didn't get it all because you didn't want to burn through your colors.
- Spray your final coat(s) of clear (sanding in between for multiple coats).
- Polish guitar to a mirror shine.
I finish furniture in a small little shop. While this WILL work and be a really good finish, i bet someone else here knows a better way. I just wanted to avoid a lip in the finishes. Oh and softer finishes scratch easier but are harder to chip. Harder finishes chip easier but are harder to scratch.