its possible to use the plectrum in much the same way as fingerpicking,example fingerpicking ripple in 3/4,can be emulated with a plectrum,the only thing a plectrum cant copy are two notes plucked together.
prissy fingerpicking is a generalisation,quite frankly if anyone is put off by good music [fingerpicking or otherwise],Icouldnt give a fiddlers fart if theyare 19 or 99,they are best off somewhere else.