That is exactly my problem, Ray. I also have an organ background. My fingernails are always very short. The key with the most wear is the C key. It is not from playing a C chord. The wear is further in and is located where my index finger hits the key when I play a Cm or diminished chord. On those chords my hand moves forward to play the Eb with my thumb and the index finger is slightly curled under. There is no way to touch the key with anything other than the nail with that fingering.