In OTL, Finland was the exception among the USSR's Western neighbors which Stalin bullied into granting territorial concessions. But its intransigeance wasn't a foregone conclusion: even Mannerheim thought it best to yield to Soviet demands rather than risk all-out war. So what if the matter had been resolved via negotiation before November 1939? Would the USSR have henceforth left Finland alone, or would Stalin have moved the goalposts in order to forcibly reannex it the way he did with the Baltic states? Would a Finland that didn't fight the Winter War have remained neutral after the start of Operation Barbarossa?