head to head
Neither is meaningfully harder - they pose close to the same test. The widest gap is execution, and it is a single point.

Execution · Competitive PvP
Hardcore team shooter where one bullet kills and the HUD tells you nothing.

Execution · Pure Mechanics
Tactical shooting where your real hands aim, reload, and out-duel adapting humans.
Insurgency leans Execution (Competitive PvP); Pavlov VR leans Execution (Pure Mechanics).
Pavlov VR leans a little harder on execution, though the gap is small.
Insurgency
One-shot lethality rewards precise aim
Pavlov VR
Physical aim plus manual reloading in VR is a literal hands test
Same score on reads - which means the number cannot separate them. The difference is in what each one asks of you.
Insurgency
Human squads flank and adapt each round
Pavlov VR
Human opponents fake, peek and adapt every round
Insurgency leans a little harder on variance, though the gap is small.
Insurgency
No killcam or HUD hides enemy positions
Pavlov VR
Spawn and gunfight chaos add modest noise
Same score on optimization - which means the number cannot separate them. The difference is in what each one asks of you.
Insurgency
Loadout points and objective route knowledge
Pavlov VR
Buy economy and site strategy mirror tactical-shooter planning
A matching score does not mean a matching test. Two games can both sit at 10 on execution and demand completely different things of you - which is why the reasoning above matters more than the number beside it.