Loss of the tail or fingers only happens when the shed does not come off and it begins to cut off the circulation to the part in question. Daily baths while shedding, and 100% PURE cocoa butter for stubborn sheds
will help prevent that. The key is being a watchful caretaker, which you obviously are. Do try to resist the urge to peel off the shed. If it is not clearly dried, it is not ready to come off. Sometimes, finger and tail sheds do require some assistance, but only if the shed has separated from the body and won't let go.