USB dongles based on Silicon Labs and Texas Instruments both work in either ZHA and Zigbee2MQTT on paper, but Silabs adapters in Zigbee2MQTT is still only experimental while TI is very mature in both.
Also, due to the current worldwide chip shortage, it is also very to find Silicon Labs based USB adapters with the later EFR32MG21 chip, however, we know that upcoming EFR32MG23/EFR32MG24 chips will be released soon so that is worth keeping an eye on as Silabs is still the industry leader for Zigbee. The best available Silabs-based adapters are therefore currently the slightly older ELU013 from Elelabs however they said that they are working on EFR32MG23/EFR32MG24 adapters which will hopefully be released once Silicon Labs sorts out their supply chain issues.
So if want flexibility to migrate between ZHA and Zigbee2MQTT then a CC2652-based option today.
Electrolama’s zzh (CC2652R based) offer the best support as their developers are active contributors to the community, however ITead SONOFF Zigbee 3.0 USB Dongle Plus (CC2652P based) is the least expensive and thus most bang for the buck if only looking at the price but understand that they only make/sell the hardware without offering any post-sale support and leave supporting it to the community. ZigStar gateways and Tube’s gateways are two alternatives if want a network-attached adapter.
https://www.zigbee2mqtt.io/information/supported_adapters.html
https://community.home-assistant.io/t/zigstar-zigbee-coordinators-and-routers/338586
Electrolama will soon release couple of CC2652P based dongles that will be named zzhp and zzhp-lite
For Z-Wave recommend Aeotec Z-Stick 7 USB stick for best support or Silabs SLUSB001A for low price
https://github.com/zwave-js/node-zwave-js/discussions/2549
https://github.com/zwave-js/node-zwave-js/discussions/2544
Both those feature the exact same Z-Wave 700 chip and firmware, which is supported by Z-Wave JS.