I’m starting to practice with a pick now after five years of sloppy finger strumming 
It’s just another thing to learn 
I’m with you on the noise level thing. It’s not so much that others would be annoyed and more a self-conscious thing, not wanting to subject them to incessant repetitive. Tbh I think that’s why I prefer playing my electric unplugged with no sound or through headphones when others are in the house
Do whatever you feel most comfortable with/gives you the most enjoyment.
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