Two brake, two clutch. That's what I've always done, and what I'll always do unless some bike forces me to change- call it Newton's Law of Motorcycles. Whatever's comfortable for you is right. It's the same as batting left or right, riding snowboard regular or goofy- as long as it's natural, that's all that matters.

The MSF four finger thing hurts my hands- fuck it, I won't do it. Plus it takes forever to get all my fingers off the throttle and out around the lever, and I lose my grip on the bar which is the last thing I need in a panic brake situation.
I've had a few occasions on the bike that I needed four fingers on the clutch. Stupid clutch disengage whatever the fuck switch won't work unless the lever is against the bar. Which doesn't work unless all my fingers are out of the way. Simple solution- DON"T STALL!