Of course you are, the comparison is 2 travel products that both claim to have no fees on their foreign exchange transactions, and regardless of how they say they change the amount, what matters to the consumer is the end result. If I withdraw $100USD on day X with both cards, which card will offer the best rate?
I think too many people get blinded by how they say they will convert the amount rather than end results, especially on the numerous whirlpool threads where this card come up.
If we were comparing a travel debit card that you can pre-load the argument changes, and then the pros and cons of each need to be examined. But these two cards are effectively in competition and very similar due to the way we use them (i.e. preloading with AUD for the 28 degrees).
From the few transactions posted above the 28 degrees is still my choice, but more exact/side-by-side transactions are needed.