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I have quite deep ridges in my thumbnails and none of my finger nails are completely smooth. They have always been a bit ridgy but have got worse these last few years. If I file them they snap really easily. I've always just thought it was how I was made, but I do have digestive problems (silent reflux mostly) which also started many years ago and have got worse more recently.
I've had lengthwise ridges for a long time, and I was told that it was caused by damage to the nail bed. The damage to a small area causes the nail to grow at a different thickness to the bit beside it. I used to bite my nails as a kid, and at one time had a fairly manual job (farm-related) so I put it down to that in my case. I don't have half-moons on my fingernails either - only on the thumbnails.