I will state straight away that I have very little recording knowledge...so totally bow to others knowledge here!!
I was always told to record as dry as possible so that you have good control after ( hence why plugins are great). This isn't about playback which most people would want some stereo in there ( dual or quad racks panned) but the initial recording.
With that logic, I assume record in mono, with no effects. You can always copy and paste a track to create the same track and add stereo effects across them.
Am I being daft here?