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

Optimization · Pure Optimization
A calendar-driven JRPG carried by persona fusion and social-link planning.

Optimization · Pure Optimization
Optimising medieval production chains and settlement layouts at a gentle pace.
Persona 4 Golden leans Optimization (Pure Optimization); The Settlers: Rise of an Empire leans Optimization (Pure Optimization).
Same score on execution - which means the number cannot separate them. The difference is in what each one asks of you.
Persona 4 Golden
Turn-based, no input demand
The Settlers: Rise of an Empire
Slow-paced building needs no dexterity
The Settlers: Rise of an Empire leans a little harder on reads, though the gap is small.
Persona 4 Golden
Scripted enemies
The Settlers: Rise of an Empire
Multiplayer adds mild opponent anticipation, mostly economic
Persona 4 Golden leans a little harder on variance, though the gap is small.
Persona 4 Golden
Weakness and crit rolls
The Settlers: Rise of an Empire
Map resources are scripted-but-unknown until scouted
Same score on optimization - which means the number cannot separate them. The difference is in what each one asks of you.
Persona 4 Golden
Persona fusion and calendar routing rewarded
The Settlers: Rise of an Empire
Settlement layout and production chains are the solvable core
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.