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

Optimization · Systems & Chaos
Managing a survivor community's economy and risk under permadeath randomness.

Optimization · Pure Optimization
A colorful loot ARPG where theorycrafting builds beats anything your hands do.
State of Decay 2 leans Optimization (Systems & Chaos); Torchlight II 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.
State of Decay 2
Combat is forgiving; stealth and swings need modest timing
Torchlight II
Faster combat asks for dodging and skill timing
Same score on reads - which means the number cannot separate them. The difference is in what each one asks of you.
State of Decay 2
Zombies and hostile NPCs follow randomised scripts
Torchlight II
Enemies are scripted swarms, never adaptive
Same score on variance - which means the number cannot separate them. The difference is in what each one asks of you.
State of Decay 2
Permadeath, infestations and survivor traits randomise each community
Torchlight II
Loot rolls and random maps drive the chase
Torchlight II leans a little harder on optimization, though the gap is small.
State of Decay 2
Base building, resource routing and survivor management drive survival
Torchlight II
Skill trees and gear synergies decide character power
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.