Do you have a specific example that we could consider? Or I'll go back and re-read WS-CDL (it's been a while).
Unfortunately, being a specification, it does not include too many examples.
The only one in the spec is example 2 in section http://www.w3.org/TR/2005/CR-ws-cdl-10-20051109/#Choreography-Coordination.
However it does not actually show the use of the finalize action to invoke the appropriate finalizer. But basically, after performing the 'CreditAuthorization' sub-choreography, the parent choreography would make a decision (i.e. a Choice) and then either finalize (i.e. invoke) the "drawDown" or "replenish" finalizer blocks, depending on whether or not the credit is used.
This just terminates the business transaction, associated with the sub-choreography, in one of two ways. However, I think this could quite easily be modelled as two further sub-choreographies that are 'performed'.
Yes, I think the further two sub-choreographies approach sounds more natural. Certainly that would tie in with workflows and compensation transactions.
Are we in agreement?