Don't worry, bro.There's nothing wrong with either of the two techniques, imo. Kasi hindi iisang technique ang gagamitin mo during actual performance. Normally it's a combination or successions of different techniques; and it also depends on the drums' tuning.
It's difficult to rely on bounce with a low-tuned drumheads --usually 2nd tom and floor toms-- so you have to use other techniques such as finger or wrist technique. (This gives credit to the
practicing-on-pillow approach)
With those being said, let me recommend that you get a copy of
Jojo Mayer's Secret Weapons For The Modern Drummer. Lahat ng techniques na-tackle dun, saka pinaliwanag nya ang kahalagahan ng bawat techniques. I hope this helps..
Happy drumming!