Sequential 3D stacking of multiple CMOS device tiers in a single fabrication flow requires the development of reliable high-k/metal gate (HKMG) stacks at reduced thermal budget (<525°C). The omission of the customary high-temperature gate stack anneal results in excessive dielectric defect densities. We have recently demonstrated on MOS capacitors the insertion of "defect decoupling" layers -LaSiOx for nMOS, and Al2O3 for pMOSat the interface between SiO2 and HfO2 as a promising approach to engineer the high-k band lineup and minimize charge trapping for improved BTI reliability. In this paper, we demonstrate this approach in planar transistors, which allows also to assess the impact of defect decoupling on the carrier mobility. First, a comparative study on the impact of LaSiOx and Al2O3 insertion is performed, highlighting the different strategies for improving PBTI and NBTI reliability. Second, a comprehensive investigation on the effects of LaSiOx and Al2O3 insertion is conducted with focus on BTI reliability and channel carrier mobility: a lack of penalty (Al2O3) or even improved carrier mobility (LaSiOx) is reported for the dipole-inserted gate stacks. Furthermore, we explore the simplified dual gate stack integration for CMOS flow. A severe PBTI reliability penalty is observed if an Al2O3 layer (for hole trap decoupling) is deposited in the nMOS gate stack, even if on top of the beneficial LaSiOx (for electron trap decoupling). In contrast, the pMOS gate stack is found to be more tolerant to the presence of a residual LaSiOx layer on top of the beneficial Al2O3 layer, suggesting a viable strategy for the simplified dual gate stack integration. Finally, the reliability improvement is validated also on a finFET test vehicle.