Blkpillpres and Uggo Mongo both have high IQ arguments, it just seems like you both care about different things and define truly escaping inceldom as two different things. One side is more emotional, the other isn't.
In reality no one is really wrong, it's subjective. Personally I care about having sex with someone who wants to be there because they "love" me and not because they're slowly trying to extract financial value out of me either directly or indirectly. I care about having attractive kids who can have an easy life, having a social life etc.
Part of the reason that makes my social life bad is my looks, both men and women don't pay much attention to ugly guys opinions and existence in general and in turn I've become apathetic and no longer seek to actively try with making a social life. Being a chad is more than just having free sex, it's a total life change in every aspect.
So for me the answer would have to be Chad, I acknowledge I still have to work, Chad won't automatically become rich or well off even if it's easier but I still think it's worth it since it's important to me. Even if you don't believe in real love, at least a girl liking you for your looks is something that's more intrinsic and can't be stripped from you.
Work wouldn't be so horrible if you enjoyed going there, and since Chad will have pleasant experiences with people he can work in McDonald's and still be satisfied with his day when he comes home due to a variety of positive customer interactions and coworkers who love being around him. In reality though, it wouldn't be McDonald's since a Chad can do much easier jobs like modelling and getting significant amounts of money from effortless TikTok's etc.
If it's someone who doesn't care as much about the emotional side of things, then the $100 mill is a perfect choice and there's no issue with that.