A decent middle ground would be to have a full configuration where default values are how you want it to be played, and we can turn them off or on at our pleasure to suit the control interface to our desires.
Here's another thought: instead of wiggling inside the droplet or using the mouse wheel on it, why not just be present in it? If you're not present in it, it doesn't disintegrate.
You could have your cake and eat it too. I just thought as I wrote that, why not also have it that if you're in the droplet and you move the mouse wheel up and down, it disintegrates faster?
Wait, okay, how about this: you go in the droplet, and that selects it by default and starts disintegrating it. There can be upgrades for that.
But if you decide to use the mouse wheel, you also get areas of effect; it makes the disintegration happen faster. Then, if you have the area buff, you can get more than one droplet.
That way, those of us who want to be in the droplet—that's on us if we don't progress as fast as the players who are also using the mouse wheel.