fine cross hair or target dot?
The answer depends on what you shoot, and how you hold. As others have said, personal preference and what you get used to come into this as well.
When I first started shooting group, I was recommended to use a dot by my mentor as it is easy to centre the dot in the mothball. I shot this way for the first year or two, then changed my hold to three o’clock or nine o’clock on the mothball, as I find that it gives me a better reference for holding-off for shots while I am forming the group. With this hold, the dot is less relevant, and may even be a liability to a very precise hold on the point of aim (I dont waist time with a VERY precise hold, so this is a nonissue for me). However I have continued to shoot the same scopes with dots for years since changing my hold, and do not feel it is a problem, nor any particular advantage over a plane fine cross-hair reticle.
An interesting side note. When the Leupold Competition series of scopes first came out, a number of Aussie competitors wanted a finer dot in the reticle than the 1/8” offered from the factory, so had Premier Reticles add a smaller dot (this is back when PR did such work on Leupold scopes). I was talking to one of these guys, and he didn’t like the smaller dot in the heavy mirage we can get here in Australia – he found it too difficult to quickly find the small dot in the less than ideal atmospheric conditions after the recoil of each shot. He sent his scope back to Leupold and had the factory 1/8” dot reinstalled. So like I said at the outset, personal preference plays a role.