Just got my Xenarc 700TSV yesterday and am wondering if you guys use your fingers on it or do you use some sort of Wacom Tablet-style pen? I found that my finger doesn't work so well for precise functions like dragging icons, etc.

But I also don't see myself using a pen while driving around. Any advice? Also, how hard is it to scratch up the screen, (e.g. with your fingernail)?
Thanks!