Both your questions lead into disputed water. Neither has a single undisputed answer. My preference is to pick with thumb and 3 fingers. I no longer rest any part of my hand on the front of the guitar although I used to.
Thumb and 3 fingers because I can and it opens options which would otherwise be closed.
Not resting hand on front in order to maximise sound production.
The counter arguments point to how good Merle Travis sounds with thumb and 1 finger and a resting hand improves accuracy.
Both good arguments. You choose. You can always change your mind later.
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