I believe the Navy SEAL, because I already KNOW that Iran lies, and that the State Dept lies, and that Obama lies (A VIDEO caused Benghazi? The IRS has NOT been weaponized? You can KEEP your doctor, and KEEP your insurance? You can SAVE $2500 per year?)
Second, we also have two SEALs who broke the confidentiality of classified ops to talk about the bin Laden mission, and both claim to have shot OBL. SEALs (like everyone else) are not immune to...puffery. And if you know any, they'll admit that not all of them are perfect.
The report wasn't from the State Department - it was from CENTCOM via the U.S. Naval Institute. While CENTCOM is certainly capable of not relating facts accurately, you at least need to understand the players correctly if you want to discuss this.
I would suggest talking to some former naval officers - guys who are no longer in - and ask them what they think most likely happened. One already chimed in on this tread, and I know others as well. But ask around for yourself.