I am sorry I missed this post. For sound and price I would suggest two classical guitars for finger picking. The best low cost and easy to play with nylon strings is a Yamaha C40. It has always been a well made low cost. It has a laminated top although it is very thin and does project. For a solid top in either cedar or spruce the Yamaha CG142 is a move up and a reasonable price. There are some other brands but from what I have seen with students the Yamaha for the prices of these are better made have the sound of a more expensive guitar.
With a classical guitar it does take some time for the strings to settle in because they will stretch some. With both of these when you need to buy new stings D'Addario EJ45 Pro-Arte Normal Tension Classical Guitar Strings are very good.
For both of the guitars mentioned the best price I have seen is from Guitar Center, and if you do not have one close by buying directly from their warehouse is easy and they should not charge for delivery.
If you have any questions I will check this post and answer them. I honestly do not know much about steel steel string guitars, though I do know classical guitars. Both of the ones I mentioned are the traditional size of guitars. If you like either of them and get good finger picking you can always move up to a more expensive model when you want.
Music is what feelings sound like.
Music is life, that why our hearts have beats.