I've seen a few players over the years that might require a pickguard, but I'm not among them. They should be optional.
They ARE optional. Any Taylor 300 series & up can be ordered without a pickguard, with a clear, black, or tortoise pickguard, or with the pickguard of your choice included, but uninstalled.
Fingerstyle player here and "scratch" style strummer. Even though I never use a pick or fingerpicks, I still opt for the Taylor clear pickguard when ordering. I like to have a safe spot on the top to tap without dinging it up with my fingernails! As many have noted, the clear factory-applied Taylor guard is darn near invisible!