Yup. Roglic is a complete rider who excels in climbing, TT-ing and finishes. In terms of peak level as well as mean level during the season Roglic trumps Bernal.Yeah it's the difference between ability and palmares.
Honestly think 2019 Vuelta Roglic would've put 3 minutes into Bernal that Tour no worries. Wonder if Jumbo are ever kicking themselves about that scheduling decision
As for palmares I don't think Giro + Tour is much better than 3 Vueltas. They are similar. 2 Tours > 3 Vueltas but that's another story. And besides GTs Roglic has a big advantage in achievements.
Obviously a lot can change, Bernal has more time. But speaking about 2020s Bernal's Tour is excluded and Roglic is probably only in the middle of his prime, far from being done.