Message Queues: Fan-out versus Point-to-Point?

hey everyone, im trying to wrap my head around the best way to structure message queues for our event-driven architecture. were dealing with a scenario where a single event like a new user signup needs to trigger multiple, distinct downstream processes, like send welcome email, create default user profile, and add to mailing list. is a fan-out approach with a single topic/exchange and multiple consumers subscribed the best way here? Or is it better to have a dedicated queue for each consumer that the producer sends messages to individually? whats the trade-offs youve seen in terms of complexity, throughput, and maintainability