Don't be afraid of it. I just got mine last weekend and learned it immediately. Yes, there is still experimentation going on but otherwise, don't get weighed down by the instructions. The LED will walk you through the process.
As for the spatula. (I didn't get one either). I was fortunate enough to have the Creative Memories spatula tool and it worked beautifully. I would personally be nervous about using my fingers for multiple reasons. I think it would be easier to tear or bend yuckily; maybe stray adhesive on my fingers, glitter, whatever; dirtier hands from dealing with papers for hours (maybe)...
But as you can see, there are many choices that work just fine for people.
:) Have fun!