I always put one on just because my horse looks good in the one i have um i would recommend a three-point hook for you because you said you just started western i ride in a tripper breast collar which is really just for roping and cutting though i use it for barrels and team penning. Three points are just alot easier to fit to a horse even though a tripper would look easy they do get their name for 1 reason they tend to trip your horse alittle if they arent used to it. can be a major problem but most of the time alittle trip isnt that bad but trippers arent for beginners.

This is a three-point hook

these are some of my trippers that i have in my tack room