Definitely more style. I will flat out say it is IMPOSSIBLE to play some things without a pick, same goes for finger picking. If you play more country stuff, I think you can get by without a pick, mostly strumming chords or fingerpicking stuff. If you plan on playing lead guitar for rock and other f.......

....actually, its kind of hard to explain. How old are you and what type of music do you listen to/play? That will make it easier to explain things so they relate to things youre doing.