Pretty sick composing a post on Christmas morning, guess you can see where my mind is. I was trained by CHP motor school many years ago to always use four fingers while braking. I still do so today. The instructors would yell out you if you were caught using anything less. The reason given is four fingers give better braking control and hard application pressure if needed. The training bikes were run-out Kawasaki 1000's. The instructors also did not want to see you "covering the lever", in other words resting your fingers on the lever in anticpation of braking. They did train me to always cover the clutch lever with your fingers. The reason given is if the chain snapped or the engine seized or someting, you could grab the clutch during the emergencey and prevent a crash.