Well, if the person is healthy and young, I can’t imagine why it’d be the latter.
What messes with me is the missing human contact in person. Skype/Zoom just isn't enough.
Young and healthy lowers the probability not just of dying, but also of a severe course of the disease. Long-term COVID symptoms largely correlate with how severe the course of the disease was. This is something that tends to be emphasized by the actual research, but left out of mass-media reporting, perhaps for the sake of sensationalism.