Theistic contemplatives identify ultimate reality with a deity, whether Hindu or Abrahamic, whereas non-theists do not personify reality.
Someone's understanding is closer to reality but whose?
We can only continue to contemplate.
Sri Chinmoy described Hinduism as a mother. One of her children meditates for years and says, "Mother, God is impersonal." She replies, "I see, my child." Another of her children meditates for years and says, "Mother, God is personal." She replies, "I see, my child."
Meditate.