I've always used fingers before too but I'm planting pretty close in a 2
gallon. The Fluorite is so light too that when I plant one plant with
my normally dexterous but now suddenly big, fat fingers I move too much
substrate and the adjacent plant floats away. Tweezers were working a
little bit better. ;-)

I can't say I've evrer damaged a root but if you're using tweezers to
pus the roots past sharp (relatively) bits of flourite I can see how
that would do it.

I just move some fluorite outof the way to make a depression, stick the
stem into it (about an inch deep works) then move the flourite back.
That's with plants with roots, you could go 2 inches if they're rootless.

Sometimes I'll use a river rock to hold a stubborn stem in place.

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