The choice usually comes down to habit rather than a real comparison of the two. Here's what actually separates them once you look past the obvious.
Temperature control
A zip can be pulled halfway on a warm walk or fully closed against wind, adjustable in a way a pullover simply isn't. A pullover is one temperature: on or off.
Layering over a collar
A zip hoodie worn open over a shirt or polo works as an actual jacket substitute — something a pullover can't do without covering the collar entirely.
Hair, glasses, earrings
Small thing, but real: pulling a tight pullover on and off repeatedly is annoying if you wear glasses or have a hairstyle you don't want flattened. A zip removes that problem entirely.
Where a pullover still wins
Fewer moving parts, generally a cleaner front without a zip line breaking up the design, and often a slightly warmer feel since there's no zip seam for cold air to sneak through.
The honest verdict
A zip hoodie is more versatile day to day — it layers, it adjusts, it works half-open as outerwear. A pullover wins on simplicity. If you're only buying one, the zip covers more situations.

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