Well, there must be an existing thread for this question. What do you prefer? I can't make up my mind whether I should just go with my bare fingers, with nails slightly grown over the fingertip, or use ProPik Fingertone picks. I'm comfortable with either, but each has its pluses and minuses.
I prefer "bareback" for 2 reasons.
Most important I'm a big believer in relying on extra tools as little as possible, and when it's only you and your fingers the tools're always right there.
But before I even developed that philosophy I noticed that fingerpicks just didn't seem to work for me, barely staying on and moving around a lot. Maybe I just wasn't properly educated about their use or proper selection
Also I started on a classical where proper finger technique ruled out use of fingerpicks but relied on exactly what you describe, proper nail characteristics..
And as I moved on their use seemed less and less relevant to what I was trying to accomplish and a standard old single pick was good enough.
Counterpoint, 40 years down the road, though:
As I play my F65ce without a pick more and more often, I find that the extra light strings really take a toll on my relatively soft fingernails.