No good answers from me, I never could get comfy thumb and finger picks. I try it now and again, but I have never committed to it. When I play fingerstyle, I generally play more over the sound hole as I like the tone, so from my perspective, that's not all bad. I also anchor with my pinkie. That is something I have at times regretted, and other times, I think it's a good thing. I do have good control as a result. Anyway, I generally don't have problems hitting the top with fingerpicks. With a flatpick, I drag my fingers and sooner or later, I'll have some relic'd tops, but that is a whole different story. I will say this... if you are concerned about it until you get your flying fingers reigned in, you could use a flamenco golpeador. Here's one such thing:
Note: In theory, one is supposed to remove them when not in use.