My newest guitar was right around 0.090" on the bass side and it didn't take much digging in to get rattles on the low-E, A and especially D strings. But you don't have to go too much above that to get uncomfortable and affect intonation. There is definitely no reason we shouldn't be able to play with a pick on a guitar with the action of yours (I'm just not there yet!).
I'm actually going to fit a temporary higher saddle to mine for a few weeks or months and hopefully go back to the original action once my technique cleans up...
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Last seen, six feet under
Singing the I've Wasted My Whole Life Blues
---Warren Malone "Whole Life Blues"
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