Paul, back when I could play, I always finger picked my 12-string. Full transparency, after sixty years of playing guitar, I still can't use a flat pick. I can't hang on to it right, I can't hit the strings right, I just can't do it at all. So I've always finger picked, though if I had to say so, I was pretty good at it. When I did want to or had to strum, I just did it with the thumb and finger picks on. But anyway, when I played, I just picked away at my 12 string and it sounded fine. I don't know how I hit the strings, but I got the right sound out of the guitar. I know this doesn't answer your question but I'm just letting you know my experience

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Who plays a 12-string with a thumb pick and finger picks? How do you get the lower of the two paired strings to sound loud enough (thumb) or the higher of the two paired strings to sound loud enough (fingers)? By higher and lower I mean relative to the bottom of the guitar, not in pitch.
Thanks!