It's not that strict with sandwiches and other finger foods. It depends on how it's presented, if it's on a platter and impossible to eat neatly with just your hands, you use knife and fork. In a restaurant it's always with knife and fork of course unless it's a cheap fast food place like McDonalds. The marmalade and cheese sammich you made yourself is eaten with your hand.
Sandwiches are pretty interesting, in most Swedish homes it's the norm to put the sandwich straight on the table, but in hotel breakfast buffets and at least in German homes you always put them on a platter.
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