There's nothing wrong with a planting finger/s when you play, especially for fingerpickers, it is actually quite common and it really helps with muscle memory, accuracy and speed. So, I wouldn't worry about that, if your style involves it. I've been doing it since 1973, like you. It sounds like if a fingernail is involved, it might involve some wear, based on TLAW's experience. My nails aren't long enough to come into play. Maybe make sure that nail (those nails) is trimmed back, and I think you will be good to go to play and not worry.
None of my Taylor's have suffered any wear from planting my finger. I only have one that has a pick guard.