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Somehow Stalin is convinced not to be paranoid for a few months and just let Finland be. Given that the main reason that the Finns sided with Germany later was revenge/get back their stuff they probably don't in this TL. How badly does this hurt the Germans?
Probable effects I can see:
1) Germans less contemptuous of Soviet Army
2) Soviets don't learn tactics like ski troops from Finns.
3) Soviets don't realize how bad their leadership is
4) Lots of Soviet soldiers still alive.
5) Of course no need to fight over territory north of Leningrad, meaning more troops for the other fronts