Under ideal conditions, using 2 fingers to brake is sufficient and maybe even preferable. Just a gentle pressure on the brake lever will get you to a safe and quick stop.
On the other hand, when you're descending that big mountain on an overloaded bike -- with your brakes overheating and fading -- you may need to use the full available travel from the brake lever to successfully stop before that cliff.
Yet you can't use all available braking power with 2 fingers, because the other two fingers get in the way of the lever. Hence safety courses tend to teach you to (smoothly) use 4 fingers for "panic braking" situations. You want to ensure that you can use full available braking power from your bike should you need it -- squeezing that brake lever right against the throttle if necessary (while simultaneously squeezing the clutch lever as well.)
Your brakes might seem very powerful, until mud gets into your brakes from that last get off, or when the pads become soaked from heavy rain.
Bottom line I guess is learn to use 2 fingers for normal riding, but train / condition yourself to use full 4-finger-panic-braking for emergency situations.
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