RCH,
Are the corners on the tabs curling slightly?. When you stand back and look at the roof, does it look "patchy"? (Does it have spots with curling shingles and spots where the shingles look normal, "patches").
The reason I'm asking is that I have noticed the same phenomenon on a number of roofs. All 3-8 years old, and here are patches of curling shingles. The first time I saw it, I guessed the roof at about 15 years old. I was surprised to be told it was 5 years. Since then I have watched carefully and seen several other cases. Frankly, I have no idea what is causing it, but I suspect faulty shingles. Probably out of the same factory during the same period. If you look carefully and think about it, you can see where the roofer opened different bundles. Typically, the roofers lay several rows at a time, so an open bundle will be in a squarish patch rather than just run straight across in a line.
What I'm not sure about is the cause of the faulty shingles. I don't know if it is from the factory, shipping or storage. Shingles sitting in the back of a semi in the hot sun are going to be different when delivered than those dropped at the yard in the middle of winter or cool weather.
Until the roof starts leaking, it doesn't sound like there is much to be done, and when it does start leaking, you face the task of re-roofing. For the moss buildup, you might try some of the copper attachments. These are small formed sheets of copper that slip under the shingles. Apparently there is some chemical action between the copper, weather and roof that kills moss and keeps it from growing. Some of our roofers have told me they are using copper clad nails now to do the same thing.
SHF