Babies like a routine, every baby has a routine in one way or another - either one they have made themselves over time, or one that you put them into.
Personally, I did abit of both - for the 1st 3 months we went with the flow - he had a dummy, slept on me, with me, fell asleep feeding, got rocked to sleep, carried around etc (he was very ill with GORD, but I would still do all this with my next even if he was healthy and happy). Now at 6 months, he settles himself, hasnt had a dummy for over 2 months, sleeps 14 hours a night (without a peep!!) and naps twice during the day - I couldnt ask for more.
At the moment, I would do whatever is easyest for an easy life for you hun, and dont worry about bad habbits etc. For a young, and im talking 4-5month old baby, habbits are easily broken in two days - 3 max. If you want to ditch the dummy later on, do it later, if it helps now keep it. As she gets older she will master falling alseep on her own, for now, she wants to be near mummy, smell you, feel your heart etc.
I hope that was of some help!!
My Routine -
get up 7-8am ish, milkys
Back to bed 9-10am depending on when woke up (two hours after waking, tho if hes tired, I put him to bed!)
Up an hour later, more milk.
12-1 Back to bed (two hours after waking from morning nap)
Up about 2 hours later, more milk.
Plays etc
Dinner at 5pm, naked wriggling, bath, more milk, and bed at 6pm.
This works a treat for us, and I believe the napping pattern is GF, but hes to tired to stay up till 7pm, and im no way going to set an alarm and go in n wake him up at 7am!! The routine is only rough, as it all depends when the day starts, but he knows what to expect, and goes to bed when hes tired, just happends these are the times he tired.
Like I say, we wing'd it for the 1st 12weeks, then sorted a routine, and things have been much easyer since, but I believe it would not have worked before this time, babies that are little (0-3months) need/want their mummys close - they call it the 4th Trimester.