Yosef Karo

“ You could even bless before drying your hands because the drying is also part of the mitzvah. If you forgot to bless until after drying, you can make the blessing then. 12 Dry your hands well before breaking bread, because one who ate without drying his hands is as if he ate contaminated bread.
13 One who dunks his hands [in a mikvah] can eat [bread] without drying [his hands] . The same is true if he washed both hands at the same time with a reviis of water, or if he washed one hand then poured a reviit in it and poured it on the other hand. ”

“ Even if only the tip of the fruit or vegetable gets dipped he needs to wash without a blessing (Beit Yosef) . 5 Someone who washes for fruit is a fool.
Rema: specifically when he washes as if he is obligated to halachically, but he is allowed to wash for cleanliness. ”