As far as it affecting the teeth and palate, I think sometimes it will and sometimes it won't--you need to check with a dentist to see if the sucking is affecting her mouth. My son is 4.5 and his finger sucking has caused major damage to his mouth and palate--his upper and lower jaws are already growing differently and his teeth don't fit together properly. We're guaranteed needing braces and possibly major surgery to reshape his mouth. He also developed a chronic fungal infection in his fingernails and they are very disfigured as a result. I know some kids seem to suck for years without any major ill effects, but for some kids it's a real problem. As far as suggestions, I don't have any that haven't been mentioned already. My son does seem to be gradually outgrowing it, but the damage has already been done, and we've had several dentists and an orthodontist who all agree on what we need to do next (we just have to decide when we want to tackle this, they suggest around age 6, and hopefully the sucking will have stopped by then). If we could have known what we would face now, back when he was a baby, we would have made more of an effort to stop it (of course everything we read said it wouldn't affect the teeth, that it was ok, kids will outgrow it and not to stress about it).