“They do appear to be spooked. Didn’t they once vow never to join NATO?”
For 15 years at least Finland has been watching Russia’s aggression against its neighbors. And Finland also knows that Russia is wholly untrustworthy, and has made threats against Finland. Finland knows that neutrality means squat to Russia.
Finland is proceeding accordingly.
Finland knows Putin thinks his historic and quasi-religious mission is to restore the Imperial borders which means Finland. Poland & the Baltic states would be in that list too.
Personally, I think NATO in its present form is obsolete. I think there ought to be as many as four overlapping alliances such as a Baltic nations alliance, an Eastern\Central Europe alliance, a Southern Europe\Mediterranean alliance and an Atlantic alliance. European nations could be in one or more of these alliances depending on how they perceive their interests or needs.