The awesome thing about finger picking (and timbre in general) is that it's all up to you!!
First off, you are right! Having slightly grown out nails will have a different texture to the sound than cut nails.
One way to think about it would be that using nails will have a more pick-like attack (punchy, twangy), while no nails will have a much softer, rolled back tone (like jazz)
It's not as much about which is easier, but more about the quality and texture of the sound you want to make. Both ways are equally valid, and with practice are equal in difficulty.
Good luck and have fun finger picking!