No one is making this a competition except you. My interest is in simply setting aside the foggy rose-colored glasses and trying to get a more accurate picture of what things were actually like back then, even if it might run against “the narrative” that some people have bought into.
"
I do not think there is a “narrative.” There are a variety of viewpoints, and at this remove, the most fruitful thing is to select one and analyze that.
Obviously, in many places, there was a lot of frustration regarding the lack of understanding scripture and prayers - that was a good part of Luther’s popular appeal.
In other places, the vernacular appeal did not have as much traction.
Whether disestablishing the Church was the correct response is another question.
One thing that is very hard to do now is imagine the world when there was just one “church” in the minds of most Western men and women. The indisolubility of the Chuch was probably the thing that most struck our forerunners. The Western Schism upset them tremendously, probably more than Luther and Calvin did for the first generation or two.
For 500 years, Catholics and Protestants have been “competing” and offering a binary view on almost every topic than comes up in Christendom - almost like a two party system.
While reducing everything to a “yes/no” is useful in politics (maybe) it is limiting theologically.
It is very hard to imagine the Catholic world, but trying to do so, in my view, goes a long way to answering the questions you have posed.
Cheers/