Well I too use a cotton bud...
I wipe with lint free pad originally, apply tips blend, remove dust with my plush brush, then just dampen my cotton bud, and rub over the nail plates avoiding the tip,
But even if I have ever gone over slightly, I don't recall having a tip crack,
although I know its a common problem that can arise,
Lint free or not, I haven't had a problem using cotton buds, and it seems others do the same with no problems,
I don't get lifting, so I am presuming that the lint's not being left behind...
And I think the pressure applied is adequate as the nail plates have already been "scrubbed" ,
I like using cotton buds, I feel I can really get into the sidewalls
(personal preference of course!)
so you should be fine if you would like to give those a go hun.
Try it and see how you go...maybe try it on yourself, and road test your nails.