you really dont see many finger players using a 12 string. no reason you cant, but to me it seems a little too subtle with fingers, a pick really brings out the octave strings. most 12's have the octave on top, regardless of style. its just sort of the norm.
Strings
you can set them up really however you want, but you would probably have a hard time finding a new one with any different setup, or you could cut a new nut and change the string setup.