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
Class-based team shooter with deep mind games.
Execution · Competitive PvP
Destruction-heavy team shooter with cashout heists.
Team Fortress 2 leans Execution (Competitive PvP); The Finals leans Execution (Competitive PvP).
The Finals leans a little harder on execution, though the gap is small.
Team Fortress 2
Projectile aim and rocket jumps reward hands
The Finals
Movement and aim under destruction chaos
Same score on reads - which means the number cannot separate them. The difference is in what each one asks of you.
Team Fortress 2
Spy/sniper duels are pure prediction
The Finals
Cashout fights are three-team mind games
The Finals leans a little harder on variance, though the gap is small.
Team Fortress 2
Random crits and spread inject RNG
The Finals
Destruction and event modifiers shake fights
Same score on optimization - which means the number cannot separate them. The difference is in what each one asks of you.
Team Fortress 2
Class loadouts and map routes solvable
The Finals
Class loadouts and gadget synergies
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.