I have read, and although Finland used the plane until 1954, I have not read than one fatal accident, some broken machines, though. If anyone has information about the Bf 109 accidents in Finland, put the information here. Of course they are some, but I have not seen statistics
I think a bad reputation came from Germany where late in the war, after very short pilot training, young pilots entered the plane.
I don't know much about Finnish use of the type, nor how the Finnish pilots were trained. It must be probable that the Finns were able to provide better training for their very few front line pilots compared to the Germans who were trying to turn out several hundred pilots every month.
The Bf 109 always caused problems for novice pilots. I agree that a lack of training later in the war can't have helped, though many new pilots were being assigned to units operating the Fw 190 by then. This wasn't the case prior to the Focke-Wulf's entry into service across the Luftwaffe, which leaves almost half the war with no option for a combat fighter pilot but the Bf 109.
Cheers
Steve