Unlike a face-down creature that was cast using a disguise or morph ability, a cloaked creature may still be turned face up after it loses its abilities if it's a creature card
However, that owner will be under another player's control, so that player controlling that owner actually makes the decision
Then, one of the opponent's monsters with attack points equal to or higher than the Special Summoned monster's attack points can be destroyed
Not about to start paying
This concept actually came up with it in a theory-oh discussion during the writing of this article, as we tried to figure out a way to more consistently get to our Midfielder + Stadium combo on turn 1, and since it tested well in practice, we decided to stick a section in the article about ourfindings
And the best way to do that is by Dueling