I have transitioned to using Whoop. I wear it all the time so it makes sense.
I have experienced all the issues here. I contacted Whoop, most of the issues with accuracy tended to occur when wearing it on the wrist. Whoop sent me bicep band, not ideal but it has fixed accuracy.
I also found that when i play golf, the accelerometer in whoop reads my swings as higher heart beat. Bicep strap fixed this.
With HR broadcast WHOOP has a delayed response compared the chest straps. This is because of latency - WHOOP sends the data first to its cloud servers before sending it to your device.