I was going to say that.
The problem (with both scenarios) is that it makes it blatantly clear that in both instances, the complete story had not been thought through to that level. While both scenarios would/could likely happen if that stories unfolded as they did - no way screenwriters/directors would have depicted that in movies meant for family viewing (give or take). GL would have had the guts to to have them kiss like that had he known then, and the russo's wouldn't have had steve kissing his niece had they known either.
The fact that those empowered to write it and the director have different views shows they didn't think it through completely.
To me it doesn't change anything from an enjoyment standpoint, but it does show that while they had a plan, it was in the high points, not the minute details. Who Peggy's husband was in the the first Captain America doesn't change that flick or Endgame. I find it a bit odd they didn't at least discuss this stuff after the script was done or after they wrapped, but prior to release and then agree to have the answers come from a single source though. As I said neither answer changes anything, but it doesn't good when two involved parties give very different answers.