For me, this arguement is really decided by management.

We're talking about two fighters, not lightyears apart in terms of ability.
Two fighters who shared the same sort of fanatical support. Two fighters with many common opponents.

What really, set Tito and Oscar apart was the way in which they approached their careers. Oscar approached the business to use his style, status and infleunce to make money, carefully selecting fights and balancing risk vs. reward as well as possible. He took every decision individually, took his time and maintained his drawing power throughout his career.

Tito let his Dad take the reins. He went hell for leather into the pros, steaming ahead recklessly. He was massively popular and let the pressure of the fans and his countrymen infleunce his decisions (Hopkins fight.)
The decisions involved in the retirments and comebacks, were all poor choices.