Curious.
I've been a finger picker ever since I 1st picked up a bass. Nobody had to tell me how to pluck with index and middle finger: It came completely spontaneously. It's only much later that I started playing with a plectrum, in order to emulate some of the bassists (mostly post-punk) that I like. It felt at first as if I played with gloves on: Didn't like that a piece of material was in the way between my skin and the strings. I got better at it, but to this day, playing with a plectrum still feels less natural to me.
One thing I'm wondering is, when you guys and girls cover a song or other, will you also switch between finger and plectrum to get as close as possible to the original, or do you just stick to your preferred picking method?
I tend to emulate the original technique. But these days, I'm covering Carole Kaye material and I keep going back to finger-picking. Not only does it make it easier for me, but I can't quite get her tone when plectrum picking, even though that's how she played it. I feel I'm much closer with fingers.