In spite of the fact I've developed hundreds of rolls of film, this is a real beginner question. When spooling the film onto a plastic reel, I always use a finger to keep the film "straight out" from the spool, so that the film spools on in a more or less straight line. If I try to do it without touching the film, the roll of film ends up against the spool, and I can't get it on the spool.
Tonight it occurred to me that I might be in danger of scratching the film, since my finger has to go on the emulsion side. Before hanging the negatives I use my fingers to pull off excess water, as some others here do. My question is, is this also ok before developing, or am I asking for problems.