I use tumb and index finger and no neck strap or tx tray.
I use to use tumb only until i got into helis and than the
two finger was a must for me.

If you are flying mode 1 in a club that is all mode 2 except
you than there could be a problem if for some unforeseen reason
you had to have one of the club members help you out than
you would be SOL in most cases. I used to fly mode 1
until i joined a club and at that time i switched cause
our club flys all mode 2 and i had to learn mode 2 so
i could become a instructor.