I did a lot of fingertip drag drill growing up too. and it destroyed my shoulders unless done slowly, deliberately, and under the direct supervision of a coach. The tendency of the swimmer to close down their shoulder too early, putting strain on the joint is, in my opinion, too great of a risk to take. As a consequence, most elite coaches I know no longer use finger-tip drag drill. Side kicking progressions, or a three-touch drill (kick on side, touch recovering arm front, back, front) are better ways, in my opinion, to encourage a long stroke with a high catch and open shoulder. Furthermore, swimmers doing fingertip drag have a tendency to put too much strain/effort/force into the recovery phase, thus negating the "recovery" portion of that phase. A relaxed recovery is more effective.
My N=1 experience is that through college doing fingertip drag closed my stroke too much, and when I started training as a post-graduate/pro with an elite group I was moved away from that drill, and my freestyle benefited.
I wrote this, you should read it:
https://www.slowtwitch.com/...n_Swimming_6700.html