I usually play fingerstyle, but use thumb-plucking (along with palm-muting the strings close to the bridge) every once in a while for tunes where I need a super-fat, deep, warm dub/reggae sound.
Thatīs why I took the chrome covers off my P - as you said, they get in the way. Shame, they look so good...
I never thumb-thump the strings where Fender put their finger rest though. I guess thatīs too old-school even for me.

Iīm 40 BTW.