the choise depends on what kind of photography you usually do or plan to do. If you're into wildlife photography and use heavy tele lenses, a ballhead is definitely the best choise for you. It allows to work very quickly (only one button to release movment in all directions) and is very stable (if you have a high quality ballhead of course). But a ballhead is less easy when you shoot a lot of close up. A 3D head turns out to be more practical when you have to make slight adjustments in one single direction.
Every head can be used for any given situation (as long as you buy a good one), but some are more practical for one situation than for another.
I bought a Manfrotto 190 tripod with the 308RC ballhead about 6 months ago. (The 308RC ballhead is the same as the Bogen 3413QR). Anyway I chose the 308 ballhead after comparing it with the Manfrotto equivalent (I can't remember the number) of the 3262. The 3262 is a smaller head and didn't feel as sturdy to me. Personally I wouldn't worry that much about a bigger ball head getting more dirt on it. A bigger difference for me would be stability, and since a larger ball gives the clamp more area to grab on to, you'll get more stability.
That said, either ballhead should work fine with your 28-105, if you intend to get a longer lens in the future the 3413 should provide a more stable support.
As far as my experience goes, the tripod and head combo have worked really well for me. The only gripe that I have is that there is a really small amount of creep when you tighten the clamp. It's only noticable when doing macro stuff, or when I'm shooting at 200+ mm. I think I paid around US$110 for the tripod and ballhead, and they were well worth the money.
Get the bigger ball head. It will be slightly easier to lock in on particular framing. But beware. You may soon find that your camera will swivel on the Bogen quick release plate, especially if you carry your tripod around a lot with the camera mounted. When this happened to me enough, I switched to a ball head that would take RRS plates (an ARCA Swiss, but there are others that will take the better quick release plates). I sometimes feel strange when I realize that the tripod, head and plate cost more than some of my lenses and camera bodies, but when you are working in the field you will be happier if you are not cursing your equipment.
Of course they do, and I forgot, and I should have remembered since I have a so-called architectural plate on my spotting scope. Apparently this plate may not be standard with the Bogen heads, so it should be ordered if you are going to use the Bogen head. And of course, next to the RRS Arca-Swiss type plates it looks like such a kludge.