I think the reality, predictably, is in the middle of these extremes.
I disagree with you on the semantics. Someone who doesnt have a severe disorder is not a “choleh” (shoteh would probably have been the more halachically accurate term) but is in fact a baal aveirah. There’s really no in between.
I think what you’re trying to convey is that some people have much harder nisyonos than others, and that’s certainly the case.