Yes, ignore the need to have it loud in the tracking stages. You have a volume control to get it louder if you need too.
I look to get a good solid input level. As Bitflipper pointed out, if the level is too low, as you increase it later you also increase the surrounding noise..... room noise, which you don't want. So work on getting a solid tracking level to start with.
I like to have my mics in fairly close to the acoustic guitar. Generally 12" or so. This ensures that I'm hearing the guitar as the predominate source and later, I can turn it up as needed without the room noise intruding and ruining the take.
In a finger picking session, I'm sure the finger noises are part of the performance so close miking will get that as well. I know that when I record mandolin, I have the mic even closer.... sometimes 6" or less from the sound hole, and that grabs the pick sound on the strings which I feel gives some percussive character to the mandolin sound in the mix.
Shoot for a clean, well recorded session and don't worry in the tracking stages about the eventual final mix volume. There are plenty of ways to get the final levels up.....first things first.