Whether 3/5 or 4/4 only makes the difference that with one you do not have to pay the tax immediately and with the other you get the tax back through the tax return. With neither option do you have more or less.
I am confused again. I say that the tax option (in your words) is irrelevant, Ralf says that I am wrong and now you agree with Ralf, and justify contradicting Ralf
It was not my intention to confuse you again or to justify anything; the content has now been explained.