I fly thumbs. No tray. Thumbs lends itself to people who don't use trays. If I had a tray (or liked trays for that matter) I would try finger and thumb. It is all based on what you are used to. You have to remember, if you lengthen your sticks, you are in a way lengthening the distance you have to move the stick for a given control surface. I fly with thumbs and the sticks adjusted to the shortest length possible. I find that fingers and thumbes causes you to have to move your whole hand along with the stick because you cant get the same range of motion that you can from just thumbs. Moving my whole hand with each stick causes an uncomfortable hovering of the hands above the transmitter. It just makes my arms tired after a while. Also, like a previous fellow said, I need my index fingers for swtiches and the like.

Thumbs all the way!

Baretta92