For me, I've found two things to be true about hop additions. FWH adds more flavor than 20 min additions and dry-hopping adds more aroma & flavor to a lesser degree than 5-0 min additions. That's just my experience.
If you want subtle, add during boil or at flame-out. If you want aroma/flavor dry-hop. Aroma is a HUGE part of what we taste, thus a pale ale without a huge malt backbone with 3 oz. of dry-hops will seem as hoppy as an IPA while an IPA with a very small amount or no dry-hopping will seem more like an APA. I'm not saying that's a rule, just a generality and I'm saying it will 'seem' because of perception based on the 'hoppiness' of said beer. Hope that helps in some way.