You asked why we do not recite an additional Surah after Surah Al-Fatiha in the third or fourth rak'ah of prayer? This is because the Prophet (peace be upon him) did not recite one.
The second question was about raising the finger during Tashahhud. There are several methods for this:
To raise the finger as soon as one sits for Tashahhud and keep it raised until the final salutation.
To keep the finger in continuous motion.
To keep the finger raised and in motion from the pronouncement of Shahadah (in Tashahhud) until the salutation.
To raise the finger at the Shahadah (declaration) and recite the rest without raising the finger.
The interesting thing is that all these methods are permissible (Jaa'iz).
In the third question, you asked about the prayer of men and women:
Act upon what you believe in.
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