The fingers should not be sewn or connected together in any way or else the design of the skirt which is to form a very flexible air seal between the hovercraft and terrain, will be defeated.
To achieve this, the fingers should only be attached to the craft by a rigid strip along the upper edge and by some from of corner tie at the two innermost apexes.
The straight finger serves well as a bow skirt due to the advantageous receding angle of attached which helps in riding over waves and ground undulations and at keeping frontal spray and dust to a minimum.  The straight finger however, is very unforgiving to being dragged backwards over obstacles.  The extended finger is best used at the side and rear of the hovercraft as it has a better obstacle clearing characteristic and also its design helps to maximise the effective cushion area because the ground contact point is much further out towards the hull perimeter than for that of the straight finger.
The inner fact of the finger skirt is completely open which means that apart from a very marginal increase in pressure due to the peripheral jetstream, is a very soft and flexible with only actual cushion pressure holding it firm.  This is  vastly different to the bag skirt which has a peripheral pressure much greater than cushion pressure.  The finger skirts at the rear of the hovercraft must be equipped with either a single antiscoop flap or for improved flexibility, individual strips may be sewn to the inner edges of each finger which extend out belong the ground contact point.  This reduces their efficiency  in retraining cushion air from escaping, but unfortunately is quite essential if the hovercraft is to be used anywhere than over smooth terrain.

To draw a development, you must draw the cross  section of the skirt under the bow and make a paper template to this shape.  Next draw a rectangle of height equal to the straight fore edge of the cross section and of width equal to half the hoverheight.  Transpose the cross-section shape along both sides of this rectangle  and then draw in two smooth curves from the centre of the top of the rectangle out to the outer hull contact points of the two adjoining skirt cross-sections.

The extended skirt knuckle is developed by extending two curved lines upward from the centre of the top of the rectangle to intersect with a horizontal line equal in width to half the hoverheight and at such a height that the distance along the outward radiating curves is exactly equal to the upward radiating curves.  The lengths of these curves must be equal as they represent the common stitch lines on the finished finger and the hull contact point on the cross-section shape and the top of the knuckle must come together at the same point.  Allow for a seam at the top of the knuckle and then using this completed shape, make a full template out of plywood.  The knuckle template will naturally be separate from the lower part, but when making the skirt, it may be an advantage to leave a web of material between the two curve lines on each side to facilitate stitching.

If you use straight fingers on the bow, you will need to make approximately three fingers on each side with progressively more knuckle bellow to accommodate the transition between the straight fingers and the extended fingers.