The correct answer option 3 suggests that Assertion A is true but Reason R is false. Assertion A is indeed correct. Around 60°-65° latitudes in both hemispheres, we have low-pressure belts known as subpolar lows, instead of high pressure. This is primarily due to cool temperatures and the fact that these regions receive less sunlight, resulting in less thermal expansion of air and thus low pressure.

However, Reason R is incorrect. Low-pressure areas are not necessarily permanent over oceans. Instead, areas of low pressure, also known as depressions, can occur anywhere due to variations in temperature and humidity, both over land and sea. They tend to be more transient and can move and change rapidly. The statement in Reason R is thus false, making option 3 the correct answer.