If you enable dragging with 3 fingers it will disable scrolling with 3 fingers.
Dragging with 3 fingers is found in: Accessibility (I know it's not where you would think)
- Select Mouse and Trackpad.
- Trackpad Options
- click Enable dragging
- from drop down select three finger drag.
Result: With 3 fingers on highlighted file or text within a document the selection will be dragged rather than scroll of window.
If no text or file are highlighted 3 fingers will highlight text or a file group pick up and place 3 fingers to drag highlighted content.