One thing I've noticed on my pre-60s cameras is the mechanisms are very strong and sure - it's hard to feel if something is wrong (compared to my 1980s Sears KS-2).
I have to pay better attention. I think it's my fault and not the camera's.
Do you advance until the counter says 1, take the picture, and reverse? Or do you gently go on until the camera stops advancing, then reverse?
It is a bit strange. The tearing is only when I used bulk-loaded cassettes of FP4+. I learned to remove the film in a changing bag because it hangs and won't let the film rewind. The mechanisms work, but the clutch slips when there is a tear.
With the manufactured Fuji cartridges I did not have any tears, but still used the changing bag to be safe. The film at best still had the leader out when rewinding - rewinding 20 times past the point it should have been in the cartridge.
When I then pulled the cartridge out and tried to finish, the cartridge itself was tight when winding-in by hand.
Now that I think about how the advance/rewind works on this thing - I am tempting fate if I am not sure that I am at the end of the roll, even if its store-bought. A little slack within the cartridge when I start rewinding may result in the sprocket pushing the film in, instead of the spool pulling it in, creating problems with space or tension within the cartridge.
Oh, and I have to remember it's not an SLR - I can't see if my finger is in they way, lol. Out of 5 total rolls I only have 3 or 4 shots of my fingers, so it's not bad, but those were on the slide film and in really nice morning light.