Sorry, Tunesmith - no intention on my part to be cocksure and sorry if it sounded that way. I was merely responding to your comment:

It amazes me that EVERY bluegrass banjo player in the world uses fingerpicks, but so many guitar players have problems with them.

Which, to me, implied that us non-fingerpickpick users are just too lazy to get to grips with something that we really should be getting to grips with! :-)