2021 Wild Card Matte White Football Forum

From what I understand/read, the white and black have same checklist, but you only get the ice blue inserts with white and fire red inserts from black. For even more confusion from this bunch, apparently the cards we all bought at Walmart or whatever for cheap are "retail" versions and the hobby boxes carry an upgraded version with serial numbers on all cards. These cards do look much more "refined" for lack of a better description. I watched a guy do a box break on YouTube to discover that. 
 

ETA:  I just saw this was covered a few posts back. My apologies but at least Bounty and I agree on what we read. 

It's freaking impossible to figure out this collection of cards and I so badly wanted to try but it's become more and more like trying to understand how bees move from flower to flower and collect about 100 different kinds of pollen and then knowing where and what kinds and how much and if it's even accurate.  Someone please figure this out somehow or I might quit collecting over it 😡