I never did reply. I use 2 fingers, but I'm also already covering the brake.
Whenever I approach traffic, cars, anything that is an obstacle that can move unexpectedly, I cover the brake *and* the clutch.
I also practice panic braking every time I get on both of my bikes. I know their characteristics, how they react, and I have no hesitation. If I have to jam down on the brakes, I know what the limits are and I can shut my bikes down as quick as possible. Because I practice. It has served me well a few times. It's second nature now.
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