I have heard that if you develop calluses on your fingers, you're pressing down with more force than necessary. So, if that's true, then I guess that's what I'm doing, because I have a lot of calluses on my fretting hand and none on my fingerpicking hand.
Clear fingernail polish applied in several layers with drying time in between each layer, makes a great temporary callus if you suddenly lose one (after spending a lot of time in pools or doing dishes, I guess!). As some here have reported, when you change instruments, sometimes you start developing calluses in new places!
I, too, have found a fingertip callus good for pull-offs!
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Jan Potts, Lexington, KY
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"Use what talents you possess; the woods would be very silent if no birds sang there except those that sang best." Henry Van Dyke