FM lowers the coefficient of friction. This reduces the lifespan of the clutches but is done to keep the rear from chattering. Running with no modifier just means the rear could chatter while each wheel is at different speeds (with regard to one another). The clutches themselves would actually thoeretically last longer however. Auto-X guys routinely run without FM. FWIW, I use synthetic fluids with some modifier (in the formula) and don't add any extra.
88, are you putting your pinky in the factory fill hole? That's the one I would use. Your girdle's fill hole might be higher up than the factory one. If too much fluid is introduced, you can start blowing some out the vent.
Good luck to all.