Unless you are a direct follower of a Rav and he tells you specifically what to do in a certain circumstance, One does not have to follow the Shitta of a Rav because you think his shitta is better.
the OP is a Baal Tshuva and appears to be going along a Chabad path, She is under no obligation to follow the Psaks of Rav Shach if Chabad has a different Shitta (I have no idea what the Chabad’s psaks are in this circumstance). If the OP wishes to follow Rav Schecter or Rav Lichtenstein, she may also do so (Again I have no idea what their Psaks are in this circumstance)