I'd love to see this comparison between Garmin and Oura. I ditched Whoop because it was too easy to get 100 sleep scores, but my Garmin watch is much harder to please. I do think it offers better signal, but I've never scored over a 90, so maybe it is too critical?
I had over 90 scores, and only when I get earlier in bed and if there are medications involved. you do feel like you had a great sleep so for me it's very accurate.
I've found Garmin's sleep tracking to be unreliable. For instance, if I lie in bed reading before I fall asleep, it often incorrectly logs that time as sleep.