Re: pick (plectrum) or fingers?
I started off playing with a pick, but haven't used one consistently for literally decades. Occasionally I'll fool around with one, but there's no way I'd think about using one on stage.
The tonal range of fingers is far greater than with a pick. There isn't a sound I can make with a pick that I can't get with my fingers, but there are lots of sounds I can get with my fingers that are just impossible with a pick.
I sometimes drop picks, or they'll turn a little in my grip when I'm using one so that the flat edge is hitting the string rather than one of the points. For some reason, I've never had a problem dropping my fingers, or having them inconveniently re-orient themselves on my hand.
If I'm playing octaves, it's immeasurably easier to do with fingers than a pick.
As I've gotten older and my wrists have gotten arthritic, I can only play for a short time with a pick before my right wrist starts killing me because of the angle it sits at. Playing with my fingers, my wrist is straight, and I can play for hours.