For flatpicking / crosspicking, I almost exclusively use blue chip picks when playing my own two guitars (Martin D18 and my “travel” guitar a Taylor 110e). Reasons: tone, just-right tackiness for good grip without over-doing it, and durability. I also really like the "Banjo Ben bum-budda=bum pick he tossed in gratis with my G-run T-shirt order, but don’t get around to using it very often because no disrespect, but the BCs live in-case nestled in the strings at about the second fret, and so there’s not much motivation to dive into the Altoids mint can in the case storage compartment (where the BB pick lives along with a bunch of 1.0mm Tortex picks). I do keep one of the Tortexes stashed in my jeans pocket for junkets to sample the merch at local guitar stores - they’re decent, yet cheap enough that if I lose it it’s no big loss (contrariwise, risk-of-loss why the Banjo Ben pick doesn’t go along on guitar store junkets).
Just started fingerpicking when Ben’s initial fingerpicking lessons came out - so far, I’m going all-natural fingers, no Thumb or finger-picks, even though I have a set in my pick-case of each of my two respective guitars. I strictly use the fleshy parts of my thumb and fingers - I find the fingernails of my right picking hand are more hinderance than help, and so keep 'em clipped short, maybe not as relentlessly as for my left fretting hand, but enough to keep the nails reliably out of the way. I have no trouble getting good tone with just fleshy finger pads; rather I find it more challenging to cleanly fret notes for fingerpicking than flatpicking, especially with using the thumb vastly more often to fret the 6th string fingerpicking than with flatpicking (only rarely use the thumb for fretting there).
Finding the right picking material (pick or finger-part) seems to be 1/3 materials science, 1/3 technique, and 1/3 taste, and everyone comes up eventually with what seems the right mix for their purposes.