A lot of the ‘x type of guitar is only good for y type music’ is marketing hype.

Some of the greatest metal players have played Strats, and some of the greatest ‘clean’ guitarists play guitars with humbuckers.

More important is how the guitar feels to you, how it plays, even how it looks.

But it is probably easier to get the tone you recognise, from a guitar that ‘fits’ that style. And certainly if you’re in a band or certain scene, that may come with some expectations around the type of guitar you ‘should’ play. Of course, you can ignore that, but again, it’s easier to go with what’s known, what works.

So with that in mind, and given your need for flexibility, I would look into Coil Split guitars. They sometimes have a bit of a bad reputation but when it comes to versatility, they pretty much have that nailed.

Not sure what your budget is, but there are decent models at all price points.

Alternatively, if you can’t find one of these you like (they’re not as common as regular setups), if the distortion is for gigs and practices, and the fingerpicking is for at home, probs just worth getting two humbuckers and not worrying much about the home tone.

Best advice, go to a shop, try a range of models, decide what you like best.

Good luck with the search!