The short version
Apple Watch and Fitbit Charge 6 are not really substitutes — they target different jobs. Apple is the most capable smartwatch on the market; Fitbit is the cheapest credible passive HRV tracker. Decide on what you actually want from the device.
When Apple Watch is the right pick
If you are on iPhone and want a watch that handles messaging, payments, ECG, fall detection, third-party apps and a thousand other things, Apple Watch is the right shape. HRV is one feature among many — not the centre, and not the best in this list.
When Fitbit Charge 6 is the right pick
If HRV and sleep tracking are the reason you are buying and you would rather not pay smartwatch prices for features you will not use, Fitbit Charge 6 is the right shape. The continuous overnight HRV pipeline, the seven-day battery and the cross-platform support are exactly what a tracker should be — at roughly 40% of Apple’s price.