The song "Fingertips" by Ryan O'Shaughnessy explores the struggle of choosing between two potential romantic partners. The narrator starts by making a decision not to choose one person because deep down, they know it's not the right thing to do. They feel the need to take a step back, as the relationship doesn't feel genuine or fulfilling.

The lyrics emphasize the positive qualities possessed by the person they are contemplating not choosing. They acknowledge that this person has a heart of gold and a sweet soul. However, despite these admirable qualities, the narrator finds it difficult to be intimate with them - to kiss them or touch their fingertips.

The line, "I'm just a man without a cost," suggests that the narrator feels undeserving or unable to fully commit. They feel like they may lose before even trying and are wary of the consequences of their actions. As time goes on, it becomes increasingly challenging for them to make a decision.

The repetition of the lines about having a heart of gold and a sweet soul indicates the conflict felt by the narrator. On one hand, they recognize the other person's wonderful qualities, but on the other hand, they are unable to fully connect emotionally.

The central reason for the narrator's hesitation is revealed in the chorus: their heart is set on somebody else. They are emotionally invested in another person and can't bring themselves to let anyone else in. It becomes clear that they have made up their mind about who they truly want to be with.

The song ends with the acknowledgement that it's painful for the narrator to follow their heart and not choose the person they are contemplating. They accept that the dynamic between them may have run its course, realizing that the person they have feelings for is not the one they are currently involved with.

Overall, "Fingertips" explores the internal struggle of choosing between two people, acknowledging the positive aspects of a potential partner while ultimately recognizing that their heart is set on someone else. It delves into the complexities and emotional turmoil of making such decisions.