On both road and mountain bikes I tend to keep 1 finger ready to break when I don't think I'm going to need to stop quickly, mostly for feathering my brakes to slow.

When I think there is a more immediate need, such as going down a steep incline on road or technical singletrack section off-road, then I tend to use 2 fingers. This tends to be my default.

Sometimes, I'll use 3 for an emergency stop if I'm surprised, but most of the time 2 seems to be better for that as well.

Some brakes may be easier to pull than others depending on the style and how well they are tuned. Hydraulic disc brakes tend to be the easiest and require less effort (so I use one finger more often).

You could just flip the whole gang the bird and use Middle finger braking.

On both road and mountain bikes I tend to keep 1 finger ready to brake when I don't think I'm going to need to stop quickly, mostly for feathering my brakes to slow.

When I think there is a more immediate need, such as going down a steep incline on road or technical singletrack section off-road, then I tend to use 2 fingers. This tends to be my default.

Sometimes, I'll use 3 for an emergency stop if I'm surprised, but most of the time 2 seems to be better for that as well.

Some brakes may be easier to pull than others depending on the style and how well they are tuned. Hydraulic disc brakes tend to be the easiest and require less effort (so I use one finger more often).

You could just flip the whole gang the bird and use Middle finger braking.