Joseph
“but an answer can be ascertained and in fact needs to be ascertained”
I disagree with both. For example in your OP if the Ribono shel olam where to aks my opinion, I would say if guy A avoided CY so he can brag to others what a baaal nefesh he is or to gloat on an online forum how frum he is while guy b is a “fine righteous” yid who followed his posek then guy b would get more olam haba.
But again I have no idea, none of us do. This is a question that cannot be answered nor should it be. Be the best you can be, dont worry about getting more olam haba than the next guy. That is a very immature way to approach life.