My daughter is almost 4 and has really fine, slightly curly hair that tangles like crazy. I keep it trimmed in a bob with bangs because it looks adorable on her and helps it to curl more rather than it looking all straggley. The hair does not stay in clips very easily so if I try clipping any of it back, it does not stay long.
I vote for you doing what you think is best, since you are the one who has to deal with the hair, not hubby. When she's old enough to decide for herself that she wants to grow out the bangs, then she can, if she's more willing to wear clips or a head band to keep it out of her face. My hubby sometimes thinks we should start growing out our daughter's hair, but he's not the one who takes care of it like I do. Friend of us who was divorced had the same issue with her ex - he wanted their daughter's hair to be really long, but wasn't able or willing to take care of it, mom kept it trimmed shorter to be easier to wash and comb.
I agree that it just depends on your daughter, her hair, and what will look best and be the easiest to deal with right now.