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A pick (aka plectrum) is used to get the brightest and best sound from a guitar, especially in Pop and Rock music.

Should I use a pick or just use my Thumb/ fingers?

Some beginners are very reluctant to use a pick. However, ESPECIALLY in the early days, I really recommend persisting no matter how many times it spins around in your hand or how often you drop it. It is simply the easiest way to get the best sound from your guitar for most pop and rock styles. Once you have a solid foundation of chords and rhythm, you can always learn folk ‘finger style’ playing at a later date (just like I did!)

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