Hello Mary. I´m a sef-taught fingerpicker for more than 25 years, and use thumb(with thumbpick) and the other four fingers.I´ve got used to it since the beginning and feel confortable about that.The great fingerpickers use(d) thumb and index finger(the middle finger at the most) like many people have already mentioned .Maybe you´ll have to take care of your nails if you use ´em to pick, or use fingerpicks(I´ve never could learn how to use ´em right).Whatever the case don´t feel wrong for picking the way you seem to sound ok, ´cause anyone says so.
    a long fingerpicking life ...

Joe ( o )===#