eyeshots almost always do full damage
Well, as I know Finesse's drawback applays
always, even if you've scored armor bypass. So in the best way you'll deal 70% of damage, worst way is no damage (that's what you'll usually do with non-crit and finesse all the time).
But if you're crippler, who cares about damage? Grab a BB gun, and start shoot everyone for no damage and cripple hands.
The only case where Finesse is ignored is insta-kill.