Detailed answer
Factors That Change The Recommendation
Two shingle types, same general concept, very different roofs. 3-tab was the standard for decades. Architectural (also called dimensional or laminated) has been replacing it as the default since the 2000s for good reasons - and a few less-good ones.
Architectural shingles have two laminated layers, which gives the dimensional look and roughly 30-50% more wind resistance than 3-tab. They're heavier, last longer (20-30 years vs 15-20), and look better up close - especially on visible roof slopes. 3-tab shingles are lighter, cheaper per square, and have a uniform flat appearance. They install faster, which can lower labor cost. They also fail faster in wind events. Most new construction and replacements default to architectural; 3-tab is mostly used now for budget-constrained jobs, rental properties, or short-term resale flips. Some HOA aesthetic codes require dimensional - check before committing to 3-tab.
If You're In California Or New Jersey
California homeowners benefit from architectural's improved cool-roof color options - many premium architectural lines come in cool-rated variants. New Jersey homeowners get the bigger value swing from architectural's wind resistance, particularly in coastal counties where 100+ mph gusts can lift 3-tab tabs.