An answer to this could take some time but here’s a go.
Firstly, not everyone would care about the level of data or the analysis you see in the Oura Ring Portal. Personally, I’d love Garmin to provide a similar feature for my 10+ years of running, cycling and hiking data.
Data really matters to me, like many athletes I find it useful, motivating and actionable for doing serious training and events. Not that I’m as serious as yesteryear.
The Oura ring portal comes as part of the sign up although I’m not sure how many people know about the feature, or us it? If you have an Oura ring then you can go to this URL Oura on the web, sign in and this takes you a Dashboard. I mostly use “Trends” Oura on the web
The Oura Portal aggregates all of your captured data, in my case since 2019, and they provide you with some neat visual graphics of data point correlations. Having 5+ years of data I can make some decent assessments on how I’m tracking things like sleep, resting heart rate, HRV, HR, etc. You can select all the data, or a date range, and then compare two data points.
For instance, I can see that my deep sleep has a “moderate positive correlation (.41%)”, to my HRV, over the five year period. Therefore, the more deep sleep I get the better my HRV. Interesting? To me yes, to my wife, not so much! 
For disclosure, I started early with Oura ring and the early adopters don’t pay the monthly subscription fees. After all, we did debug the first iterations.
On the question of the Whoop. To be clear, I see the Oura ring as a “health and wellness device”. It is NOT a sports device. I use Garmin for all athletic pursuits, currently the Garmin Forerunner 955 solar.
Yes, I’ve tried the Whoop 4.0 and it is pretty good, if you want something between the health and wellness and a sports watch. The Whoop app seemed to be about increasing and improving performance. There’s great merit in that! Personally, comparing Oura to Whoop, I think that the Oura ring is more elegant and less obtrusive. The cost of ownership of Whoop is higher, even if I paid the monthly Oura subscription. Oura does the things I need from a “health and wellness” wearable perspective, better than Whoop. I think the Oura ring is currently more functionally complete and better debugged and refined.
I hope that’s helpful!
PS I gave the Whoop to one of my daughters.