Not likely that I'll convince you otherwise, and launching into this whole discussion is usually the powder keg that starts the flame war, but. There's a LOT you can do with your fingers that you can't with a pick. You'd just have to practice it :)
Basics - slap, tap, speed, maneuverability.
In most of the american music out there, you're really not going to need any of those. Playing classic rock, or modern rock & roll, you'll be fine with a pick. And since you'll probably be playing in that genre for the rest of your days, you're set. Meanwhile, when I was 13, my tastes were changing.
I started out with a pick (bowed french in orchestra, didn't know anything about electric, made sense initially). Played a lot of classic rock, blues, metal. Then my tastes grew towards funk, motown, jazz, soon enough to include everything I could get my hands on. Retraining myself after a couple years of pick playing was TOUGH. Already was pretty confident in my playing, I had to relearn everything.
Now I use every finger I have. I'm an aerobic player when it calls for it, but I can play whatever style or technique I want, which leaves me nothing but options. I can grab a pick if I have to, but haven't had a reason to in years.
The only thing you get with a pick that I don't get with my fingers is that specific pick tone. I can EQ myself some more mids and angle so my fingernails hit the strings on each stroke, and it sorta does it, but it's not the same. I still haven't touched any of my basses with a pick in forever.
In the meantime, I have a whole range of tones that's unavailable to a pick player by using my fingers, double-thump, flamenco trills, and so on.
It is a style choice. But when you can do the same thing with your fingers and then some...it's worth it. Takes the same amount of practice to get it, with much a larger payoff.
Bass playing is changing. With the range of new techniques we have to play with now (mostly thanks to Wooten), the average player is WAY better now than they were fifteen years ago. Fifteen years ago, I could make a whole music store in Manhattan stop what they were doing and poke their heads over to see who the hell was playing. Now? They got fourteen year olds who can do what I did.
They got soccer moms who can sweep tap on a 7 string.
Well, not quite. But give it 10 more years :)
Sure, fine. You don't really NEED theory. Or to sight read. Or to train your ear. Or play with your fingers.
You'll be exceptionally happy you did it in the long run, and be a more rounded, capable player for it. It's nice when you can sit in on any gig, anywhere, anytime, and instantly make like you belong there.
But hey, that's just what I like to do :)
-john