maybe this sounds simple to you, but it probably goes over the heads of 99.99% of people (and i'd venture to say 90% of technical people).
Although now that I've said that, I don't recall what happens when it's using multiple channels for packet data.
The only exception for 3G is China with its TD-SCDMA standard. Everywhere else, 3G is FDD.
For 4G, there is a TDD variant. It's mostly used in China and on some specific high bands (2.3/2.5 GHz around Wifi, 3.5 GHz). But in western countries when one use 4G it's FDD.