I use a thumbpick and keep my fingernails longer on my right hand for picking. I can then pick or strum with one or more fingers depending on how heavy the strum needs to be. If a heavier picked type feel is needed I use the thumbpick as a form of plectrum. I've tried fingerpicks but totally lost all the feel of the strings so never bothered since and just keep a tube of superglue handy for when the nail breaks !

But as mentioned above it all depends on the song, the tune and your own style and preference so give them all a go.