Hi, nice post.
As you observed by yourself, in those years Benetton was more competitive than McLaren and in 1994 Williams, although still the best F1 car, had become much more unstable due to the abolition of electronic suspensions. To this we must also add other inconveniences that Senna found and for which he was making changes on his car.
I don't discuss the skill of a giant like Schumacher, I recognize his merits, but as an ardent fan of Senna I have always been proud of never having supported Schumacher.
Who would have won the duel in the 1994 world championship? Who in the next one? Who if they had been both team mates driving an equivalent car? These will always remain unanswered questions, destiny wanted this and, maybe, this was a fortune for both and for their memory.
But more important than their records, are the gestures, thoughts and charisma.