last year I was playing a good bit of clawhammer style banjo and my daughter was regularly gluing one of her fake nails onto my index finger for me. that worked quite well and was easy to replace or repair. not sure how well this would work for fingerpicking guitar cause you would want to do both up and down strokes. I purchased a special pick from Elderly but it never felt right.

on guitar I do basic fingerpicking using the fleshy part of my fingers and thumb. I now have nice calluses built up. not sure I would like a pick because I am sometimes bother by the sound it makes against the strings.