3/4 leaves one finger to move to at each side, so it tends to be a bit more strategic. Here is a video of mine I cite too often (at some point of time, I need to record a cleaner version) because it shows a slow left hand pretty clearly (ignore the inner 3 rows of bass buttons: they are not being used in this video and work differently):I've been brought up using the 3-2 method, but I will say this which should resolve all questions. I always say that for the RIGHT hand, use the fingering that permits you to be ready for the next note required.
I'll now say that pretty much the same rule follows here. There are times I use 3-2, 4-3 or even 5-2. Do what the music requires you to do. For the times I have an option, I use mostly 3-2 for Stradella basics, even counterbass to diminished chords are possible, if I so need to.
One does see that on a fresh start, I am more or less firmly in the 3/4 camp, but everything else occurs as well, with all fingers being essentially used everywhere as needed (when spanning over several columns between bass and chords, depending on the direction the roles of the fingers may well end up reversed from their usual roles).
At any rate, the point is that this is not a "quandry" let alone an "SOS": in the long course of playing it is about as important as worrying about which foot you should start climbing a staircase with in order to arrive at the best position for opening your door.
Yes, it is likely you'll end up doing it the same way most of the time. But you won't get stuck if you don't. And you won't need to start over climbing the stairs in order to make it into your door in case someone met you on the stairs and you needed to take evasive action and went on using the wrong foot.