I have used an Apple Pencil now for over half a year. I originally got one with my 2018 iPad. I'm someone who used to keep a moleskin journal every year, I write a lot as well as I find I remember better when I write (and understand better).
It baffles me that someone would even compare the apple pencil to their finger. I couldn't imagine taking detailed math notes in college with my finger like I do (for hours and hours) with my Apple Pencil.
I have many hundreds of (Apple Pencil written) Notability documents of logs, notes, thoughts, sermon notes, college class notes, work notes, and even scribblings just from the last year alone.
With Notability you can use the Apple Pencil to draw graphs, straight lines, shapes, etc... just with pressing and holding motions.
As someone who has used a Parker Jotter most of his life (and values good pens like the Swiss Made Caran D'Ache) - there really is no comparison between your finger and a good writing instrument. The Apple Pencil has become my favorite writing utility. My iPad Pro + Apple Pencil is all I take to college classes these days.
I've always found free thinking on paper to be extremely therapeutic. Almost like meditation. Emptying what's in my head onto paper is very de-stressing. Typing hasn't been able to replicate this for me because often when I'm free thinking I draw or write in such a way where a blank canvas is extremely helpful.