Scott Ritter does an excellent video on what could possibly happen if Finland joins NATO. He discusses the "Winter War" of 1939 and Finland's subsequent entry into WWII on the side of Nazi Germany which Finland lost decisively losing 9% of its territory. The Finns entered into a treaty with the USSR where they would remain "neutral" in perpetuity. If Finland joins NATO it will violate this treaty and therefore no longer be neutral. NATO will deploy the F-35 to Finland, an aircraft capable of delivering nuclear bombs. Russia will not tolerate such a threat and will destroy Finland.
Ritter goes on to analyze the military forces available to NATO and declares, NATO has no chance unless it uses Nukes.
As Jim Kavanagh says in his "Ukraine Negotiation Kabuki", which nation is going to accept defeat?
It will not be Russia.